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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. FEMA recommends that users of the form be given a transition period through October 2018 to move to the new version of the form. 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.

SizePublication Date
Icon for file of type application/pdfFEMA Form 086-0-32
0.56MJune 1, 2016
Formerly 81-93
  • Print Publication (Hardcopy)

    Distribution Warehouse

    Publication Number: 
    Contact Name: 
    FEMA Distribution Center

    You can order this item from the FEMA Distribution Center. Download the Order Form and provide the resource title, FEMA publication ID #, quantity of each publication requesting, along with your name, address, zip code, and daytime phone #. Note: Some resources might have restrictions on the quantity allowed per order, per customer. Also, please review if the resource is currently backordered.

    You can order hardcopies by emailing, calling or faxing the FEMA Distribution Center using the Order Form

    Work hours for phone orders are M-F: 8:00 a.m. - 5:00 p.m., Eastern Standard Time.

    Contact Phone Number: 
    (800) 480-2520
    Fax Number: 
    (240) 699-0525
April 1, 2012
Icon for file of type application/pdfFormerly FF 81-93
0.68MApril 1, 2012
Icon for file of type text/plainFormerly FF 81-93
0.01MApril 1, 2012