What Is the FEMA Flood Hazard Determination Form?
The FEMA Flood Hazard Determination Form (FEMA Form 086-0-32) is used by federally regulated lenders to determine whether a property lies in a Special Flood Hazard Area (SFHA) — and if flood insurance is required as a condition of a mortgage loan.
This form may also be valuable for:
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Insurance agents preparing or verifying flood insurance policies
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Property owners who want official documentation of flood zone status
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Realtors and buyers during real estate transactions
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Community officials and planners managing floodplain compliance
It provides a standardized, legal record of a property’s flood risk based on the most current FEMA flood maps — including zone designation and map panel reference.
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