National Flood Insurance Program Underwriting Forms

The underwriting forms on this page are for use with the National Flood Insurance Program's (NFIP) pricing approach.

Use the NFIP’s pricing approach forms for new business policies with effective dates on or after Oct. 1, 2021 and renewals with effective dates on or after April 1, 2022. 

Find an Underwriting Form

Use the dropdown menu below to filter forms by their content: NFIP’s pricing approach, legacy forms, or choose "Any" to see forms that fit both categories.

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NOTE: Some Forms Must be Downloaded


Some of the forms below are fillable forms, which means you can type your answers directly on the form.

To fill out the form:


1. Open the form in Adobe Reader. Get the latest version from the Adobe website.


2. Download the form and save it to your computer.

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Standard Flood Hazard Determination Form (MUST DOWNLOAD)

This form can be filled out online.

The Standard Flood Hazard Determination Form is required for all federally backed loans and is used by lenders to determine the flood risk for their building loans. The form is authorized by the National Flood Insurance Reform Act of 1994 and is imposed on lenders by their regulatory entities, not by FEMA. FEMA oversees the National Flood Insurance Program which makes federally administered flood insurance available throughout the United States and is responsible for development, updates and making the form available to users. Implementation of the mandatory flood insurance purchase requirements of the Flood Disaster Protection Act of 1973 and the National Flood Insurance Reform Act of 94, as amended, is the responsibility of the various federal agencies that regulate lenders. Please contact your regulator or lender to determine their requirements. This form may be locally reproduced. This form needs to be downloaded and opened directly in Adobe Reader because it may not open in Edge or other browser-based readers. If you have questions about this form, please contact FloodSmart@fema.dhs.gov. On Sept. 27, 2023 FEMA published a Federal Register notice of revision and request for comments regarding the form. The current version of the form is not expired and may continue to be used until further notice.

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Elevation Certificate Form and Instructions

FEMA Form FF-206-FY-22-152 (formerly 086-0-33): Use this form to provide elevation information needed to comply with community floodplain management ordinances; to inform the proper insurance premium; and/or to support a request for a Letter of Map Change to remove a building from the Special Flood Hazard Area.

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NFIP Dry Floodproofing Certificate for Non-Residential Structures

FEMA Form FF-206-FY-22-153 (formerly 086-0-34): The National Flood Insurance Program (NFIP) Dry Floodproofing Certificate is the form to be used to certify a dry floodproofing design that may be permitted as an alternative to elevating to or above the Base Flood Elevation (BFE) for non-residential buildings and the dry floodproofed non-residential portions of mixed-use buildings.

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General Property Policy Form (2021)

The General Property Form’s effective date is Oct. 1, 2021. All NFIP claims reported on or after this date will be reviewed, coverage interpreted and adjusted using this policy form. The General Property Policy Form is issued to owners of residential buildings with five or more units, and to owners or lessees of non-residential buildings or units.

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General Property Policy Form (2015)

FEMA Form F-123: The General Property Policy Form is issued to owners of residential buildings with five or more units, and to owners or lessees of non-residential buildings or units. The October 2015 General Property Form is used on all claims reported with a date of loss prior to Oct. 1, 2021.

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Residential Condominium Building Association Policy (RCBAP) Form (2021)

FEMA Form F-144: The Dwelling Forms effective date is Oct. 1, 2021. All NFIP claims reported on or after this date will be reviewed, coverage interpreted and adjusted using this policy form. The Residential Condominium Building Association Policy Form is issued to a residential condominium association on behalf of the association and unit owners.

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Residential Condominium Building Association Policy (RCBAP) Form (2015)

FEMA Form F-144: The Residential Condominium Building Association Policy Form is issued to residential condominium associations on behalf of association and unit owners. The October 2015 RCBAP form is used on all claims reported with a date of loss prior to Oct. 1, 2021.

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Dwelling Policy Form (2021)

FEMA Form F-122: The Dwelling Form’s effective date is Oct. 1, 2021. All NFIP claims reported on or after this date will be reviewed, coverage interpreted and adjusted using this policy form. The Dwelling Policy Form is issued to homeowners, residential renters and condominium unit-owners or owners of residential buildings containing two to four units.

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Dwelling Policy Form (2015)

FEMA Form F-122: The Dwelling Policy Form is issued to homeowners, residential renters and condominium unit-owners or owners of residential buildings containing two to four units. The October 2015 Dwelling Form is used on all claims reported with a date of loss prior to Oct. 1, 2021.

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NFIP Residential Basement Floodproofing Certificate (MUST DOWNLOAD)

This form can be filled out online.

FEMA Form 206-FY-21-122: Form for NFIP communities that have been granted an exception by FEMA to allow the construction of floodproofed residential basements in Special Flood Hazard Areas.

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