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:

• Insurance agents preparing or verifying flood insurance policies

• Property owners who want official documentation of flood zone status

• Realtors and buyers during real estate transactions

• 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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