Flood Zone Determination Report

Product Features

Every determination report includes complete FEMA compliance data, delivered via API in under 3 seconds.

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  FEMA FIRM Map Compliance — Map data updated within 24 hours of any FEMA FIRM amendment. Always current with the official Flood Insurance Rate Maps.
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  Life-of-Loan Monitoring — Automated change alerts throughout the loan lifecycle. Immediate notification on FIRM map amendments affecting monitored properties.
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  Parcel-Level Precision — Determination based on actual parcel geometry, not address interpolation. Accurate zone classification at the property boundary level.
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  Sub-3-Second API Response — 99.9% uptime SLA. Synchronous API calls return complete determination data in under 3 seconds for real-time underwriting workflows.
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  Complete Zone Classification — SFHA/non-SFHA status with full zone codes: AE, X, VE, AO, AH, A, D, and all FEMA-defined flood zone categories.
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  LOMA/LOMR Status Included — Letter of Map Amendment and Letter of Map Revision status returned with every determination. No additional lookup required.
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  Dual-Format Certificate — Each determination includes a legally-compliant PDF certificate and structured JSON response. Meets FEMA Standard Flood Hazard Determination Form requirements.
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  SOC 2 Type II Compliance — All data processing and storage meets SOC 2 Type II security standards. Enterprise-grade data handling for regulated industries.

Sample Determination Report