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Flood Zone Statement and Authorization - Rhode Island

Flood Zone Statement and Authorization - Rhode Island 2025

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The document is a Flood Zone Statement and Authorization that requires sellers to disclose whether the property is located in a flood-prone area as defined by the National Flood Insurance Act of 1968. Buyers acknowledge their awareness of the property's flood zone status and agree to obtain flood hazard insurance if the property is later determined to be in a flood-prone area. The document includes sections for seller and buyer signatures, addresses, and dates.

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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.
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.
Review all entries for completeness and correctness before finalizing your document.

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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.

Which documentation is acceptable proof of flood insurance?

A Policy Declaration page is acceptable evidence of flood insurance.

What are the requirements for flood insurance?

In order to qualify for flood insurance, your home or business must be in a community that has joined NFIP and agreed to adopt and enforce sound floodplain management regulations and ordinances that meet or exceed FEMA requirements to reduce the risk and consequences of serious flooding.

When must a bank receive sufficient proof of flood insurance?

Whenever an institution makes, increases, extends, or renews any loan secured by improved real property or a mobile home, it must use the Standard Flood Hazard Determination Form (SFHDF) developed by FEMA.

How do I document flood damage for insurance?

Document your flood damage Take photos and videos. Take photos and videos of the damage, including structural and personal property damage on the inside and outside of your home, before discarding items. Record serial numbers. Keep receipts. Retain all material samples. Contact repair services.

How much does flood insurance cost in Rhode Island?

How much is Flood Insurance in Rhode Island? The average cost per policy in Rhode Island through the NFIP is $1,310.63. Depending on where you live, this average could vary substantially! Premiums can change depending on your deductibles, the cost of your home and contents inside your home.

What is proof of loss flood insurance?

What Is Proof of Loss in a Flood Insurance Claim? A Proof of Loss is a document, signed by you and notarized, that states what you lost and how much you are requesting from the insurance company for your losses.

How do I get a flood zone certificate?

Start by contacting your local floodplain manager. 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.

How to get flood insurance declaration page?

The insurance company that issued your flood insurance policy will provide you with a declaration page which is a part of your annual policy contract. The declaration page is usually the first page and is an outline of your flood insurance policy that provides the information youll need at the time of a loss.

Flood Zone Statement and Authorization - Rhode Island 2025

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