Order #

A system-generated number assigned to each report ordered.

Reference #

A required, system-generated number used to track your order.

Customer #

Your customer identification number, determined at the time of account setup.

Requested Address

The customer’s address, as input on the New Order page. Entering addresses verified against United States Postal Service standards will improve the response rate and accuracy.

Loan Identifier

(Guarantee Only)

A unique number that identifies the loan. Values are alphanumeric, with a maximum of 20 characters.

Determination Address

Displays the customer’s address after processing by a format-standardization tool to maximize response rate and accuracy.

County

The county in which the address is located.

NFIP Community #

The number found in the FEMA Community Status Book. If no community number exists, this field is blank.

NFIP Community

The name of the community in which the building or home is located.

NFIP Map #

A 9- or 11-digit number identifying the FEMA map that contains the home or building.

Date

The date the NFIP map became effective. Provided as a measure of reliability, this date (also known as the NFIP Map Panel Effective/Revised Date or the Community Effective Date) lets you see how recently FEMA has updated the map to reflect current floodplain measurements.

NFIP Program Entry Date

The date the community began participating in the NFIP program.

Zone

The flood zone. All flood zones beginning with the letter "A" or "V" are Special Flood Hazard Areas (SFHA) in which the Flood Disaster Act of 1973 requires flood insurance. Any other zones, such as B, C, D, or X, lie outside of a Special Flood Hazard Area.

See "Flood Hazard Zones" for more information.

LOMA/LOMR

Contains the date of the last Letter of Map Amendment (LOMA) or Letter of Map Revision (LOMR) made in response to an inaccuracy on an NFIP flood map. If FEMA has not made such revisions or amendments, this field will contain the word "NO." Approximately one percent of all addresses requested in FloodAssist display a date in this field.

Cobra Date

Indicates whether the building or home is part of a designated Coastal Barrier Resources Area. The field will contain the date of the designation or "N/A." The NFIP prohibits insurance for any structure built or substantially improved after the Cobra Date.

Base Flood Elevation

(BFE)/Depth

The elevation shown on the Flood Insurance Rate Map (FIRM) for Zones AE, AH, A1-A30, AR, AR/A, AR/AE, AR/A1-A30, AR/AH, AR/AO, V1-V30, and VE. The value indicates the water surface elevation (in feet) resulting from a flood that has a 1 percent chance of occurring in any given year.

Participation Status

The type of NFIP program in which the property participates, either regular or emergency.

The values returned for this are 01 -09.  Descriptions for each value are described below.

HMDA Information

(Guarantee Only)

The United States Home Mortgage Disclosure Act (HMDA) requires financial institutions to maintain and annually disclose data about home purchases, home purchase preapprovals, home improvement, and refinance applications involving 1- to 4-unit and multifamily dwellings. This field provides relevant codes for the state, the county, the MSA/MD, and the CT.

(i) MSA/MD stands for metropolitan statistical area/metropolitan division.  An MSA is an area that has at least one urbanized area with a population of 50,000 or more, plus adjacent territory that has a high degree of social and economic integration with the core. A metropolitan statistical area containing a single core with a population of 2.5 million or more may be subdivided to form smaller groupings of counties called metropolitan divisions.

CT stands for census tract. Census tracts are small, relatively permanent statistical subdivisions of a county. For most metropolitan areas (MAs) and other densely populated counties, local census statistical area committees designate census tracts following Census Bureau guidelines.

Is Building / Mobile Home in a Special Flood Hazard Area?

Indicates whether the property in question lies within a Special Flood Hazard Area (also known as the 100-year floodplains). It effectively reiterates the flood-zone information (contained in the Zone field) into a convenient "YES" or "NO" format. Lets you quickly see whether flood insurance is necessary.

Zone A

Zone A is the flood insurance rate zone corresponding to the 100-year floodplains determined by approximate methods in a Flood Insurance Study. Because the study does not include detailed hydraulic analyses for these areas, the report does not show Base Flood Elevations (BFE) or depths within this zone. Mandatory flood insurance purchase requirements apply.

Zones AE and
A1– A30

Zones AE and A1– A30 are the flood insurance rate zones corresponding to the 100-year floodplains determined by detailed methods in a Flood Insurance Study. In most cases, the report shows, at selected intervals, Base Flood Elevations derived from the detailed hydraulic analyses within these zones. Mandatory flood insurance purchase requirements apply.

Zone A99

Zone A99 is the flood insurance rate zone corresponding to areas of the 100-year floodplain that will be protected by a federal flood-protection system where construction has reached specified statutory milestones. The report does not show Base Flood Elevations or depths within this zone. Mandatory flood insurance purchase requirements apply.

Zone AH

Zone AH is the flood insurance rate zone corresponding to areas of 100-year shallow flooding, with a constant water-surface elevation (usually areas of ponding), where average depths are between one and three feet. The report shows, at selected intervals, Base Flood Elevations derived from the detailed hydraulic analyses within this zone. Mandatory flood insurance purchase requirements apply.

Zone AO

Zone AO is the flood insurance rate zone corresponding to the areas of 100-year shallow flooding (usually sheet flow on sloping terrain), where average depths are between one and three feet. The depth should be averaged along the cross section and then along the direction of flow to determine the extent of the zone. The report shows average flood depths derived from the detailed hydraulic analyses within this zone. In addition, the report shows the Flood Insurance Rate Map (FIRM) alluvial fan-flood hazards. Mandatory flood insurance purchase requirements apply.

Zone AR

Zone AR is the flood insurance rate zone used to depict areas protected by flood-control structures (such as levees) under restoration. FEMA will consider using the Zone AR designation for a community if:

• a federal agency has, in consultation with a local program sponsor, deemed the flood-protection system restorable

• the system still provides a minimum level of flood protection

• restoration of the flood protection system is scheduled to begin within a designated time period and in accordance with a progress plan negotiated between the community and FEMA

Mandatory purchase requirements for flood insurance apply in Zone AR, but the rate will not exceed the rate for an unnumbered Zone A if the structure complies with Zone AR floodplain-management regulations.

For floodplain management in Zone AR areas, the property owner is not required to elevate an existing structure when making improvements to the structure. However, for new construction, the structure must be elevated (or floodproofed, for nonresidential structures) so that the lowest floor, including basement, is a minimum of three feet above the highest adjacent existing grade, if the depth of the Base Flood Elevation does not exceed five feet at the proposed development site. For infill sites, rehabilitation of existing structures, or redevelopment of previously developed areas, there is a three-foot elevation requirement regardless of the depth of the BFE at the project site.

When the project is complete and the local project sponsor submits all necessary data to FEMA, the agency will remove the Zone AR designation and issue an NFIP map showing that the restored flood-control system protects against the 100-year flood.

Zone D

Zone D is the designation for areas that FEMA has not analyzed and where there are possible but undetermined flood hazards. Mandatory flood insurance purchase requirements do not apply, but coverage is available. The flood insurance rates for properties in Zone D are commensurate with the uncertainty of the flood risk.

Zone V

Zone V is the flood insurance rate zone corresponding to areas within the 100-year coastal floodplain that have additional hazards associated with storm waves. The Flood Insurance Study includes only approximate hydraulic analyses for these areas. Therefore, the report does not show Base Flood Elevations within this zone. Mandatory flood insurance purchase requirements apply.

Zone VE

Zone VE is the flood insurance rate zone corresponding to areas within the 100-year coastal floodplain that have additional hazards associated with storm waves. The Flood Insurance Study includes detailed hydraulic analyses for these areas. The report shows, at selected intervals, Base Flood Elevations within this zone. Mandatory flood insurance purchase requirements apply.

Zones B, C, and X

Zones B, C, and X are the flood insurance rate zones corresponding to:

• areas outside the 100-year floodplain

• areas with a one percent annual chance of sheet-flow flooding where average depths are less than one foot

• areas with a one percent annual chance of stream flooding where the contributing drainage area is less than one square mile

• areas protected from the one percent annual chance of flood by levees

The report does not show Base Flood Elevations within these zones. Mandatory flood insurance purchase requirements do not apply in these zones.