Mortgages Analyzed
Mortgages Analyzed
Mortgages Analyzed
Standard Flood Hazard Determination Form

What is Standard Flood Hazard Determination Form?

The Standard Flood Hazard Determination Form (SFHDF) identifies whether a property is located in a special flood hazard area, if the borrower is required to obtain flood insurance, and if federal flood insurance is available.
What It Means
The lender relies on the SFHDF when making, increasing, extending, renewing, or purchasing a loan to determine whether or not flood insurance is required and available on the property. The SFHDF has been designed to facilitate compliance with the flood insurance purchase requirements of the National Flood Insurance Reform Act of 1994.
Other Names
Flood Cert; Flood Certificate; Flood Certification

Related Terms

  • Flood Zone: Within a flood map, flood zone denotes the level of risk for flooding in a particular area.... Read More
  • Special Flood Hazard Area: Special Flood Hazard Area (SFHA) is an area that is identified in a Flood Map as subject to flooding by having at least a one percent chance of floodi... Read More
  • Non Special Flood Hazard Area: Non Special Flood Hazard Area is an area of moderate to low flood risk where the risk of being inundated by the flood event has a chance of less than ... Read More
  • Flood Map: Flood map identifies the risk of flooding in a community by assigning flood zone categories to different parts of the map.... Read More
  • Flood Risk: Flood risk is the expected damage to the property and its contents caused by a flood.... Read More


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