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Here's more convenience and economy for you – more of your ELS single-source advantage. Basic and life of loan flood certifications are offered in combination with our ownership reports, property reports and title insurance policies. You get the quick, reliable and accurate flood product you need.

Peace of mind. Our flood certifications are provided by First American Flood Data Services and carry the FAFDS seal of approval and are guaranteed by First American Corporation.

• Basic Determination

  Indicates if a structure on a mortgaged property is in a Special Flood Hazard Area on that date. You'll get a guaranteed certification on the FEMA Standard Flood Hazard Determination form, which shows:

  • Community status/participation in the National Flood Insurance Program (NFIP)

  • FEMA FIRM and panel number

  • Status of the structure as "in" or "not in" a mandatory flood zone

  • Corresponding zone designation

• Life-of-Loan Determination

  In addition to everything you get with a Basic Determination, we'll track the property for any flood map revisions, including Letters of Map Amendment and Revision, which change the insurance requirements.

  • Because we track zone changes to the structure level, not just the property level, you'll have fewer "surprises" for your customers down the road when there is a map revision.

  • Along with the industry standard of telling you about "in" to "out" and "out" to "in" changes, we'll also tell you about any "in" to "in" changes. That's important because even if the flood insurance requirement stays the same, a different flood zone designation can mean lower (or higher) insurance premiums for your customer.

  • You choose how we notify you of map changes - electronic, hard copy, or both. You have your choice of notice format, either First American's format, which gives you before and after flood information, or FEMA's determination form. You'll receive a summary report of your affected loans along with the notices.