Main Content

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. 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. The current version of the SFHDF has an expiration date of October 31, 2018 and the revised version is pending approval. This webpage will be updated with the revised version of the SFHDF once approved. The current version of the SFHDF is extended until further notice.

SizePublication Date
Icon for file of type application/pdfFEMA Form 086-0-32
0.56MJune 1, 2016
Formerly 81-93
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