Music, hey California real estate! Welcome to an HD Academy, where we demystify natural hazard disclosures. I'm Patrick McClellan, and this is a video series for California real estate agents and consumers. If you watched our episode about California's NHD law, you know that a real estate seller must disclose to the prospective buyer whether the sale property is in any of six important natural hazard zones - flood, fire, and seismic zones. In this episode, we'll explain one of those flood hazards: the special flood hazard area, also known as the high-risk FEMA flood zone. The Federal Emergency Management Agency (FEMA) administers the National Flood Insurance Program (NFIP), and Congress created the NFIP back in the 1960s for the purpose of mapping flood zones across the nation and to encourage communities in those high-risk zones to minimize their flood risk. When a city participates in the NFIP through flood-safe building codes or floodplain management, the NFIP rewards that effort by offering affordable flood insurance to the city's residents. Generally speaking, flood insurance is optional unless the property is backed by a federal government-insured loan. So, if you're using an FHA loan, for example, and your property is in a high-risk flood zone, then you're required to buy flood insurance. It's a federal law that protects us taxpayers. But flood insurance can be a costly surprise to a homebuyer on a tight budget. So, in the 1990s, California made the FEMA high-risk flood zone a statutory disclosure requirement under the state's NHD law. The seller's agent or the seller, if acting without an agent, must disclose to the buyer if any portion of the property is in any Zone A or V on a flood map. Those map zones define the special flood hazard area or the SFHA. Zone A means high-risk...
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Standard flood hazard determination 2023-2024 Form: What You Should Know
For more details refer to Federal Register Publication 830, as well as FEMA's Standard Flood Hazard Determination Form Guide. Hazard Evaluation Report for a Proposed Reevaluation by FEMA June 15, 2020, The final hazard evaluation report prepared by FEMA is now available as a link to the Final Hazard Evaluation Report (HER) and the supporting NCA Form. Hazard Evaluation Report — Federal Register March 5, 2018, FEMA released the final hazard evaluation report for Proposed Reevaluations of FEMA's Federal Emergency Management Agency Flood Hazard Determination Guideline. On March 5,2018, FEMA released the following information to the public: Hazard Evaluation Report — Federal Register Feb 3, 2024 The final hazard evaluation report prepared by FEMA on a Proposed Reevaluation of FEMA's Flood Hazard Determination Guideline is now available as a link to the Final Hazard Evaluation Report (FEAR) and the supporting NCA Form. Hazard Evaluation Report — Federal Register Jan 19, 2024 The final Hazard Evaluation Report prepared by FEMA on a Proposed Reevaluation of FEMA's Flood Hazard Determination Guideline is now available as a link to the Final Hazard Evaluation Report (FEAR) and the supporting NCA Form. Hazard Evaluation Report — Federal Register Dec 5, 2024 The Federal Emergency Management Agency (FEMA) and the U.S. Department of Homeland Security (DHS) published a joint report titled Revised Hazard Guidance for the Proposed Reevaluations of FEMA's Federal Emergency Management Agency Flood Hazard Determination Guideline (SF HDF). In the Joint Hazard Analysis, DHS identified six areas where a proposed FEMA Reevaluation might increase flood risk. One of the areas for a Proposed Reevaluation involved changes to FEMA's SF HDF. The proposed FEMA Reevaluation identified three changes to FEMA's SF HDF, each of which would increase risk to the Federal community. The revised form will be effective on April 30, 2018.
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Video instructions and help with filling out and completing Standard flood hazard determination form 2023-2024
