Form FEMA Form 81-93 FEMA Form 81-93 Standard Flood Hazard Determination

DEPARTMENT OF HOMELAND SECURITY
FEDERAL EMERGENCY MANAGEMENT AGENCY

See The Attached
Instructions

STANDARD FLOOD HAZARD DETERMINATION

SECTION I - LOAN INFORMATION
2. COLLATERAL (Building/Mobile Home/Personal Property) PROPERTY ADDRESS
(Legal Description may be attached)

1. LENDER NAME AND ADDRESS

5. AMOUNT OF FLOOD INSURANCE REQUIRED
$

4. LOAN IDENTIFIER

3. LENDER ID. NO.

O.M.B. No. 1660-0040
Expires October 31, 2008

SECTION II
A. NATIONAL FLOOD INSURANCE PROGRAM (NFIP) COMMUNITY JURISDICTION
1.
NFIP Community
2.
County(ies)
Name

3. State 4.

NFIP Community
Number

B. NATIONAL FLOOD INSURANCE PROGRAM (NFIP) DATA AFFECTING BUILDING/MOBILE HOME
1.

NFIP Map Number or Community-Panel Number
(Community name, if not the same as "A")

2.

NFIP Map Panel Effective/
Revised Date

3. LOMA/LOMR

4. Flood Zone

5. No NFIP
Map

yes
Date
C. FEDERAL FLOOD INSURANCE AVAILABILITY (Check all that apply)
1.

Federal Flood insurance is available (community participates in NFIP).

2.

Federal Flood insurance is not available because community is not participating in the NFIP.

Regular Program

Emergency Program of NFIP

3.

Building/Mobile Home is in a Coastal Barrier Resources Area (CBRA) or Otherwise Protected Area (OPA), Federal Flood insurance may not
be available.
CBRA/OPA designation date:

D. DETERMINATION

IS BUILDING/MOBILE HOME IN SPECIAL FLOOD HAZARD AREA
(ZONES CONTAINING THE LETTERS "A" OR "V")?
YES

NO

If yes, flood insurance is required by the Flood Disaster Protection Act of 1973.
If no, flood insurance is not required by the Flood Disaster Protection Act of 1973.
E. COMMENTS (Optional):

This determination is based on examining the NFIP map, any Federal Emergency Management Agency revisions to it, and any
other information needed to locate the building/mobile home on the NFIP map.
F. PREPARER'S INFORMATION
NAME, ADDRESS, TELEPHONE NUMBER (If other than Lender)

FEMA Form 81-93, DEC 05

This form may be locally reproduced.

DATE OF DETERMINATION

STANDARD FLOOD HAZARD DETERMINATION FORM INSTRUCTIONS
PAPERWORK BURDEN DISCLOSURE NOTICE
Public reporting burden for this form is estimated to average 20 minutes per response. Burden means the time, effort and financial
resources expended by persons to generate, maintain, retain, disclose, or to provide information to us. You may send comments
regarding the burden estimate or any aspect of the form, including suggestions for reducing the burden to: Information Collections
Management, Federal Emergency Management Agency, 500 C Street, SW, Washington, DC 20742; and to the Office of Management
and Budget, Paperwork Reduction Project (30676- 0264), Washington, DC 20503. You are not required to respond to this collection of
information unless a valid OMB control number appears in the upper right corner of this form. Please do not send your completed
form to the above address.
SECTION 1
1. LENDER NAME: Enter lender name and address.
2. COLLATERAL (Building/Mobile Home/Personal Property) PROPERTY ADDRESS: Enter property address for the insurable
collateral. In rural areas, a postal address may not be sufficient to locate the property. In these cases, legal property descriptions may be
used and may be attached to the form if space provided is insufficient.
3. LENDER ID. NO.: The lender funding the loan should identify itself as follows: FDIC-insured lenders should indicate their FDIC
Insurance Certificate Number; Federally-insured credit unions should indicate their charter/insurance number; Farm Credit institutions
should indicate their UNINUM number. Other lenders who fund loans sold to or securitized by FNMA or FHLMC should enter the
FNMA or FHLMC seller/servicer number.
4. LOAN IDENTIFIER: Optional. May be used by lenders to conform with their individual method of identifying loans.
5. AMOUNT OF FLOOD INSURANCE REQUIRED: Optional. The minimum federal requirement for this amount is the lesser of: the
outstanding principal loan balance; the value of the improved property, mobile home and/or personal property used to secure the loan; or
the maximum statutory limit of flood insurance coverage. Lenders may exceed the minimum federal requirements. National Flood
Insurance Program (NFIP) policies do not provide coverage in excess of the value of the building/mobile home/personal property.
SECTION 2
A. NATIONAL FLOOD INSURANCE PROGRAM (NFIP) COMMUNITY JURISDICTION
1. NFIP Community Name. Enter the complete name of the community (as indicated on the NFIP map) in which the building or mobile
home is located. Under the NFIP, a community is the political unit that has authority to adopt and enforce floodplain management
regulations for the areas within its jurisdiction. A community may be any State or area or political subdivision thereof, or any Indian
tribe or authorized tribal organization, or Alaska Native village or authorized native organization. (Examples: Brewer, City of;
Washington, Borough of; Worchester, Township of; Baldwin County; Jefferson Parish.) For a building or mobile home that may have
been annexed by one community but is shown on another community's NFIP map, enter the Community Name for the community with
land-use jurisdiction over the building or mobile home.
2. County(ies). Enter the name of the county or counties in which the community is located. For unicorporated areas of a county, enter
"unincorporated areas". For independent cities, enter "independent city."
3. State. Enter the two-digit state abbreviation. (Examples: VA, TX, CA.)
4. NFIP Community Number. Enter the 6-digit NFIP community number. This number can be determined by consulting the NFIP
Community Status Book or can be found on the NFIP map; copies of either can be obtained from FEMA's Website http://msc.fema.gov
or by calling 1-800-358-9616. If no NFIP Community Number exists for the community, enter "none".
B. NFIP DATA AFFECTING BUILDING/MOBILE HOME
The information in this section (excluding the LOMA/LOMR information) is obtained by reviewing the NFIP map on which the
building/mobile home is located. The current NFIP map may be obtained from FEMA by calling 1-800-358-9616. Scanned copies of
the NFIP maps can be viewed on FEMA's website at http://msc.fema.gov. Note that even when an NFIP map panel is not printed, it may
be reflected on a community's NFIP map index with its proper number, date, and flood zone indicated; enter these data accordingly.

1. NFIP Map Number or Community-Panel Number. Enter the 11-digit number shown on the NFIP map that covers the building or mobile home.
(Examples: 480214 0022C; 58103C0075 F.) Some older maps will have a 9-digit number (Example: 12345601A.) Note that the first six digits will not
match the NFIP Community Number when the sixth digit is a "C" or when one community has annexed land from another but the NFIP map has not yet
been updated to reflect this annexation. When the sixth digit is a "C", the NFIP map is in countywide format and shows the flood hazards for the
geographic areas of the county on one map, including flood hazards for incorporated communities and for any unincorporated county contained within
the county's geographic limits. Such countywide maps will list an NFIP Map Number. For maps not in such countywide format, the NFIP will list a
Community-Panel Number on each panel. If no NFIP map is in effect for the location of the building or mobile home, enter "none".
2. NFIP Map Panel Effective/Revised Date. Enter the map effective date or the map revised date shown on the NFIP map. (Example: 6/15/93.) this
will be the latest of all dates shown on the map.
3. LOMA/LOMR. If a Letter of Map Amendment (LOMA) or Letter of Map Revision (LOMR) has been issued by FEMA since the current Map
Panel Effective/Revised Date that revises the flood hazards affecting the building or mobile home, check "yes" and specify the date of the letter;
otherwise, no entry is required. Information on LOMAs and LOMRs is available from the following sources:
* The community's official copy of its NFIP map should have a copy of all subsequently-issued LOMAs and LOMRs attached to it.
* For LOMAs and LOMRs issued on or after October 1, 1994, FEMA publishes a list of these letters twice a year as a
compendium in the Federal Register. This information is also available on FEMA's website at http://msc.fema.gov.
* A subscription service providing digitized copies of these letters on CD-ROM is also available by calling 1-800-358-9616.
4. Flood Zone. Enter the flood zone(s) covering the building or mobile home. (Examples: A, AE, A4, AR, AR/A, AR/AE, AR/AO, V, VE, V12,
AH, AO, B, C, X, D.) If any part of the building or mobile home is within the Special Flood Hazard Area (SFHA), the entire building or mobile
home is considered to be in the SFHA. All flood zones beginning with the letter "A" or "V" are considered Special Flood Hazard Areas (SFHAs).
Each flood zone is defined in the legend of the NFIP map on which it appears. If there is no NFIP map for the subject area, enter "none".
5. No NFIP Map. If no NFIP map covers the area where the building or mobile home is located, check this box.
C. FEDERAL FLOOD INSURANCE AVAILABILITY. Check all boxes that apply; however, note that boxes 1 (Federal Flood Insurance is
available...) and 2 (Federal Flood Insurance is not available...) are mutually exclusive. Federal flood insurance is available to all residents of a
community that participates in the NFIP. Community participation status can be determined by consulting the NFIP Community Status Book, which
is available from FEMA and at http://msc.fema.gov. The NFIP Community Status Book will indicate whether or not the community is participating
in the NFIP and whether participation is in the Emergency or Regular Program. If the community participates in the NFIP, check either Regular
Program or Emergency Program. To obtain Federal flood insurance, a copy of this completed form may be provided to an insurance agent.
Federal flood insurance is prohibited in designated Coastal Barrier Resources Areas (CBRA) and Otherwise Protected Areas (OPAs) for buildings or
mobile homes built or substantially improved after the date of the CBRA or OPA designation. Information about the Coastal Barrier Resources
System may be obtained on FEMA's website at http://www.fema.gov/nfip/cobra.shtm.
D. DETERMINATION: If any portion of the building/mobile home is in an identified Special Flood Hazard Area (SFHA), check yes (flood
insurance is required). If no portion of the building/mobile home is in an identified SFHA, check no. If no NFIP map exists for the community,
check no. If no NFIP map exists, Section B5 should also be checked.
F. PREPARER'S INFORMATION: If other than the lender, enter the name, address, and telephone number of the company or organization
performing the flood hazard determination. An individual's name may be included, but is not required.
Date of Determination. Enter date on which flood hazard determination was completed.
OTHER INFORMATION
MULTIPLE BUILDINGS: If the loan collateral includes more than one building, a schedule for the additional building(s)/mobile home(s) indicating
the determination for each may be attached. Otherwise, a separate form must be completed for each building or mobile home. Any attachment(s)
should be noted in the comment section. A separate flood insurance policy is required for each building or mobile home.
GUARANTEES REGARDING INFORMATION: Determinations on this form made by persons other than the lender are acceptable only to the
extent that the accuracy of the information is guaranteed.
FORM AVAILABILITY: Copies of this form are available from the FEMA fax-on-demand line by calling (202) 646-FEMA and requesting form
#23103. Guidance on using the form in a printed, computerized, or electronic format is contained in form #23110. This information is also available
on FEMA's website http://www.fema.gov/nfip/sfhdform.shtm.

PURPOSE OF FORM: In accordance with P.L. 103-325, Sec. 1365, (b) (1), this form has been designed to facilitate compliance
with the flood insurance purchase requirements of the National Flood Insurance Reform Act of 1994.