Flood zone certifications

Use the easy Advantage Online system to order flood zone certifications. Choose from basic certification (good for five years), or life-of-loan certification.

Flood certifications determine if a mobile home or improved real estate secured by a loan is located in an area designated by the Director of the Federal Emergency Management Agency (FEMA) as having special hazards. If special hazards exist, the lender may require the purchase of flood insurance as criteria for obtaining the loan.

Furthermore, during the term of the loan if the improved real estate or mobile home securing the loan is, due to re-mapping by FEMA, located in an area that has been identified by the Director of FEMA as having special hazards, flood insurance, if available, must be purchased.

Customers can order and retrieve Flood Certifications via Advantage Credit's interface with National Flood Research's (NFR) Flashflood Online ordering website. This service eliminates the need to manually enter or retrieve flood certifications, saving time and money.

Each Flood Certification ordered contains all information necessary to be in compliance with all current applicable flood insurance guidelines. All information on the Standard Flood Hazard Determination Form is guaranteed by NFR.