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.