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Flood Zone Statement and Authorization - Massachusetts

Flood Zone Statement and Authorization - Massachusetts 2025

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The document is a Flood Zone Statement and Authorization form 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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Which documentation is acceptable proof of flood insurance?

A Policy Declaration page is acceptable evidence of flood insurance.

How to 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.

Is it bad to buy a property in a flood zone?

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

How to obtain a flood zone certificate?

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.

What is the flood certification fee?

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.

What does Flood Zone AE mean in Massachusetts?

Zone AE AE In 4 An area inundated by 100-year flooding, for which BFEs have been determined. Zone AO AO In 5 An area inundated by 100-year flooding (usually sheet flow on sloping terrain), for which average depths have been determined; flood depths range from 1 to 3 feet.

Flood Zone Statement and Authorization - Massachusetts 2025

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