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Flood Zone Statement and Authorization - Montana

Flood Zone Statement and Authorization - Montana 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 - Montana 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 required fields for both sellers and buyers, including addresses and dates, ensuring clarity and accuracy.

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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.

What is the 50% rule in FEMA?

Buyers need to be aware that any not FEMA compliant building that is to be remodeled, renovated or improved when that project cost is 50% or more of the building value will have to be brought into compliance with the National Flood Insurance Program (NFIP) standards.

What is a flood zone certificate?

An elevation certificate shows how high a building is compared to how high local floodwaters are expected to get. It includes information like your homes location, characteristics, and its First Floor Height.

How much does being in 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.

What if only part of my property is in a flood zone?

Even if just one wall or corner of the property extends into a high-risk zone, the entire structure must be covered. Heres how it breaks down: Main structure in high-risk zone (partially or fully): Coverage is mandatory. Detached residential structures: Typically require separate policies.

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.

Which documentation is acceptable proof of flood insurance?

a completed application for NFIP flood insurance and proof of the premium payment or the final settlement statement reflecting payment of the initial premium, or. the assignment of an existing NFIP flood insurance policy from the property seller to the purchaser.

Can you get your property out of a flood zone?

Paying for insurance can be expensive, but thankfully property owners and renters have the option to petition FEMA to remove your home from a high-risk flood zone designation. The several different types of petitions are collectively called Letters of Map Change (LOMC).

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.

Flood Zone Statement and Authorization - Montana 2025

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