Mortgage Glossary
Flood Certification
Defined by Onias Derilus, Mortgage Capital · NMLS# 1859012 · Florida licensed mortgage broker
A flood certification is a report that states whether a property sits in a FEMA-designated flood zone, determining if flood insurance is required.
What Flood Certification means
Lenders order it during underwriting. If the property is in a high-risk zone, federally backed loans require flood insurance. In Florida, where flood risk is widespread, the certification is a routine and important step.
Florida example
A flood certification on a coastal Naples home placed it in a high-risk zone, so the lender required a flood insurance policy before closing.
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