Flood determinations specify whether or not a structure is located in a Special Flood Hazard Area (SFHA). Structures located in the SFHA require the purchase of flood insurance for the structure from the National Flood Insurance Program (NFIP). A flood determination will also specific if the federal flood insurance is available for the structure.

FEMA is the Federal Emergency Management Agency. This agency runs the National Flood Insurance Program, among various other programs.

To put it simply, areas that fall within the SFHA have been determined to have about a 1% annual chance of flooding, or 26% chance over a typical 30 year mortgage.

The determination is made by examining FEMA records and maps, using our LPS CertMap software.

Yes, surprisingly floods occur in non-coastal regions about as often as in coastal regions.

Damage from floods is not usually covered by an average homeowner’s policy and additional insurance will be needed if in a flood zone.

While other companies provide similar services, Advanced Data has the LPS CertMap software to make the most accurate determinations. We also have made our forms as easy as possible to save you time.

Before a mortgage can be approved, flood insurance must be purchased for the structure.

No, but we will provide you with information how a borrow can purchase it once its necessity has been determined.

Typically, a flood determination will be received in about 1-2 business days.

Flood Determinations are valid for 7 years, but there is a possibility that rezoning may have occurred.

Determinations are delivered electronically on our secure network. By logging into your online account, you can view your document as well as track the status of pending orders. Past orders can also be reprinted and billing information can be accessed at any time.