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Flood Zone Statement and Authorization - Georgia

Flood Zone Statement and Authorization - Georgia 2025

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The document is a Flood Zone Statement and Authorization that outlines the flood zone status of a property. Sellers must indicate whether the property is in a flood-prone area as defined by the National Flood Insurance Act of 1968. Buyers acknowledge being informed of this status and agree to obtain flood hazard insurance if the property is later determined to be in a flood zone. The document includes spaces for signatures, dates, and addresses of both sellers and buyers.

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Click ‘Get Form’ to open the Flood Zone Statement and Authorization in the editor.
Begin by entering the property address in the designated field at the top of the form.
In the 'Statement by Sellers' section, check one of the three options that best describes the flood zone status of your property. Ensure you provide accurate information as per your knowledge.
If applicable, attach a copy of any survey or Flood Certification form that reflects the property's flood zone status, and fill in the name of the certifying entity.
In the 'Statement by Buyers' section, acknowledge that you have been informed about the flood zone status by signing and dating where indicated.
Complete all address fields for both sellers and buyers, ensuring accuracy for future correspondence.

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Got questions?

We have answers to the most popular questions from our customers. If you can't find an answer to your question, please contact us.

Is it a bad idea to buy a house in a flood zone?

While buying a home in a more risky flood zone comes with potential upsides, it comes with the obvious downside of more possibility of flooding, including from rising sea levels and future property development in the area along with the disadvantages of potential difficulties selling the property and the cost of

What flood zones require flood insurance in Georgia?

FEMA has designated high-risk flood zones, including Zone AE (high-risk areas) and Zone V (coastal areas with wave hazards), where mandatory flood insurance often applies.

Can you get a mortgage on a property in a flood zone?

Getting a mortgage for a home in a high-risk flood area isnt so different than getting one for a home elsewhere. The primary difference is the type of insurance youll need. Depending on your zone designation, your lender or the government might require that you have flood insurance in addition to your home insurance.

Is it hard to sell a property in a flood zone?

Selling a property in a flood zone can be harder than selling one outside of such areas even if they havent experienced any actual floods, but its not impossible.

Should I avoid buying a house in a flood zone?

Purchasing a primary residence in a flood zone is a terrible idea. Even a basement has mechanicals like furnaces and hot water heaters that will be compromised in a flood. Its a nightmare to deal with.

How to get insurance in a flood zone?

To purchase flood insurance, share the quote with an agent near you or you can call your insurance company or agent, the same person who sells your home or auto insurance. If you need help finding a provider, go to floodsmart.gov/get-insured/flood-insurance-provider or call the NFIP at (877) 336-2627.

How to get a flood zone certificate?

They often work for your citys or countys building, permitting, engineering or land use department. Ask them if there is an elevation certificate on file for your property. If your property doesnt have an elevation certificate on file, youll need to hire a land surveyor, engineer or architect to complete one.

How much does a flood zone affect property value?

Case Studies and Examples. For instance, a study by the National Bureau of Economic Research found that homes within the 100-year floodplain are valued 4.4% to 13.3% less than similar properties outside the flood zone.

Flood Zone Statement and Authorization - Georgia 2025

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