Flood Zone Statement and Authorization - North Dakota 2025

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Risks of buying property in a flood zone include:1) Living in a flood zone can decrease your homes value and make it harder to resell,2) costly flood insurance requirement for properties in flood zones, 3) If your home floods, youll have to deal
A flood certification fee is charged to cover the cost of determining whether a property lies within a federally designated Special Flood Hazard Area (SFHA). This information is critical as it affects the necessity and cost of flood insurance, a requirement by lenders if the property is indeed within a high-risk area.
A Policy Declaration page is acceptable evidence of flood insurance.
How much is Flood Insurance in North Dakota? The average cost per policy in North Dakota through the NFIP is $1,005.84. 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.
To get started, call your town or city government office and ask for the floodplain manager or the person who handles Elevation Certificates for that community. If you have trouble connecting with your local floodplain manager, you can contact your states floodplain management office.
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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.
The notice must contain a warning that the property is or will be located in an SFHA; a description of the NFIAs flood purchase requirements; a statement, when applicable, that flood insurance is available under the NFIP and from private insurers; and a statement on the availability of federal disaster relief

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