The Standard Flood Hazard Determination Form

The Standard Flood Hazard Determination Form (SFHDF) is required for all federally backed loans and is used by lenders to determine the flood risk for their building loans.  The SFHDF is authorized by the National Flood Insurance Reform Act of 1994 (NFIRA) and is imposed on lenders by their regulatory entities, not by FEMA.  FEMA oversees the National Flood Insurance Program (NFIP) which makes federally administered flood insurance available throughout the United States and is responsible for development, updates and making the form available to users.

The previous form which expired on May 30, 2015 can continue to be used during the phase in period of the new form. This page will be updated with additional information on transitioning to the new form soon.