Federal regulations require lenders to determine and document whether collateral used to secure a mortgage is located in a Special Flood Hazard Area (SFHA). Flood Zone Determination Services, LLC (FZDS) provides fast and accurate flood zone determinations with a focus on your needs. You can be assured of efficient, reliable results with our cutting-edge technology. We earn your business and trust by providing unparalleled customer care. Person-to-person and coast-to-coast, we're available to answer your questions or address your service needs.


FZDS is a National Flood Determination Association (NFDA) Certified company. The NFDA Certification Program is designed to recognize companies that operate within the guidelines set forth by NFDA to maintain standards of excellence, foster professionalism, and advocate quality services within the flood zone determination industry.


FZDS Features:


  • Flood Zone Certifications
  • Life-of-Loan Tracking
  • Loan Surveillance
  • Aerial Flood Zone Maps
  • Flood Zone Re-Determination
  • HMDA / Census Tract

Frequently Asked Questions

Show / Hide All

What is a Flood Zone or Special Flood Hazard Area (SFHA)?

Who is the flood zone determination for?

Why is flood insurance required?

What data is necessary to request a flood zone determination?

What if there are multiple flood zones on the property?

What if I disagree with your determination?

How quickly can I expect to get my flood zone determination?

How do I transfer a determination to another lender?

How do I notify FZDS when a loan has been paid off?