For lenders, servicers and correspondents
Flood Data
Determination and certification
FEMA NFHL at the parcel polygon, not the centroid alone. Built for lenders who need a defensible determination on volume and a turnaround measured in seconds.
Determined on the whole parcel
The FEMA National Flood Hazard Layer intersected against the parcel boundary. A centroid determination can miss a property whose structure sits inside the zone and whose midpoint does not.
Life-of-loan monitoring
LOMR and FIRM changes tracked for the life of the loan, with monthly compliance reporting and secondary-market transferability.
Sub-second and integrated
Sub-second auto-returns by API, mapped to the fields your LOS expects. Guarantee and E&O behind every determination.
Determined on the parcel, not a point
The FEMA National Flood Hazard Layer intersected against the parcel polygon. A large or irregular parcel can sit with its centroid outside a zone while a meaningful part of its footprint is inside — a centroid-only determination reports the property as out.
- Both results, every call
- Polygon intersect and centroid point-in-zone
- Zone and panel
- Zone, FIRM panel, effective date, community
- Where they disagree
- Flagged, because that is where a challenge starts
Life-of-loan monitoring
A determination is not a one-time answer. LOMR and FIRM revisions are tracked for the life of the loan, with monthly compliance reporting, and the determination is transferable in the secondary market.
Built for volume
Sub-second auto-returns by API, mapped into your LOS. Guarantee and E&O behind every determination.
Independent
We are not owned by a lender and we do not sell your volume data to your competitors. That is a structural difference from the national vendors, not a promise.
One engine, one parcel resolution, one set of sources. The other data products run on exactly the same sources: