National Commercial Title Services Directory

Flood Zone Information

Old Republic Commercial Due Diligence Services provides Flood Zone Determinations and Flood Elevation Certificates for commercial properties. Flood Zone Determinations adhere to the Standard Flood Hazard Determination Form, and state whether or not the subject property and/or the structural improvement lies within a Special Flood Hazard Area (SFHA).

As required by federal law, all determinations are based on the information depicted on the Flood Insurance Rate Map (FIRM) or the digital equivalent for the community where the building or property lies. A FIRM is the official map of a community on which the Federal Emergency Management Association (FEMA) has delineated both the special hazard areas and the risk premium zones applicable to the community.

A Flood Elevation Certificate is an actual field survey by a registered professional, such as a land surveyor, engineer or architect, who is authorized by law to certify elevation information. The purpose of a Flood Elevation Certificate is to identify the exact elevations of a structure as compared to the recorded Base Flood Elevation (BFE). The licensed surveyor uses established reference marks identified on the FIRM in order to formulate the exact elevations of the structure's lowest floor and adjacent ground.

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