Information for real estate professionals, insurance agents, and lenders regarding how to find a property on a floodplain map, lender floodplain determinations, and flood insurance requirements.
How to determine the flood risk for a property or structure:
- Find Your Flood Zone and Create a Printable Version of a Map
- How to View Preliminary Flood Maps and Additional Products
- Comparing Preliminary and Effective Flood Maps
- How to View Pending Flood Maps
Floodplain Maps and Studies
- Floodplain Maps and Studies
- Current NH Floodplain Mapping Activities
- How to Change the Floodplain Maps
What to know about lender floodplain determinations and flood insurance requirements:
Anyone who applies for a federally-funded mortgage/loan or refinancing on an existing home in flood-prone areas will be required to carry flood insurance for the life of the mortgage/loan. Generally, the only documentation that lenders will accept to change their floodplain determination is a FEMA Letter of Map Amendment. For more information, see the links below.
- FEMA LOMA application process to remove a structure or property from the floodplain
- Fact Sheet #4 – Letter of Map Amendment (LOMA)
What to know about flood insurance:
Everyone lives in a flood zone. You can protect your home, business, and belongings with flood insurance from the NFIP. Flood insurance is necessary because homeowners insurance does not cover flood losses.
- Overview of flood insurance and recent flood insurance rate changes
- FloodSmart.gov provides information to consumers about the benefits of and how to purchase flood insurance.
- Insurance agents can visit Agents.FloodSmart.gov for tools and resources related to selling flood insurance and better serving clients.