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Inactive Financial Institution Letters 

[Federal Register: January 20, 1999 (Volume 64, Number 12)]
[Page 3104-3108]
From the Federal Register Online via GPO Access []



National Flood Insurance Program; Standard Flood Hazard 
Determination Form

AGENCY: Federal Emergency Management Agency (FEMA).

ACTION: Notice of availability and effective date.


SUMMARY: FEMA gives notice of the availability of the revised Standard 
Flood Hazard Determination Form.

EFFECTIVE DATE: January 20, 1999.

Technical Services Division, Mitigation Directorate, Federal Emergency 
Management Agency, 500 C Street SW., Washington, DC 20472, (202) 646-
2756, (telefax) (202) 646-4596.

SUPPLEMENTARY INFORMATION: The Office of Management and Budget (OMB) 
has reviewed and cleared the Standard Flood Hazard Determination form 
under the requirements of the Paperwork Reduction Act of 1995 (44 
U.S.C. 3507) and under the National Flood Insurance Reform Act of 1994. 
OMB approved the form for use, with an effective date of October 1998, 
expiring October 31, 2001. Because the revised form made no changes in 
the information collected, a transition period of 90 days from the date 
of this publication will be provided for users to update automated 
    Title: Standard Flood Hazard Determination form (FEMA form 81-93).
    OMB Number: 3067-0264.
    Availability: The Standard Flood Hazard Determination form is 
available on FEMA's Web Site at The 
form is also available through FEMA's Fax-on-Demand at (202) 646-FEMA, 
request document #23103, or by mail after December 15, 1998, from the 
FEMA publications office at (800) 480-2520. Requests for large 
quantities of the form will not be honored. The form should be locally 
    On May 21, 1998, we published a Notice with request for comments on 
revisions to the Standard Flood Hazard Determination Form, 63 FR 27969. 
We received comments from three banking organizations, one real estate 
broker, and one flood determination firm.
    The majority of respondents asked us to reconsider revising the 
form, since the proposed changes did not substantially alter the 
meaning or requirements of the form. They noted further that the 
changes will give rise to added costs for automated systems and printed 
stock, which must be upgraded and reprinted, and for requisite 
notification to users.
    FEMA is revising the Standard Flood Hazard Determination form to 
comply with requirements of the Paperwork Reduction Act of 1995 (44 
U.S.C. 3507) and the Office of Management and Budget. In order to 
comply with these requirements, we clarified the instructions and made 
minor editorial changes to the form based on comments and questions 
received from users during the first iteration of the form.
    Comments about specific items on the form included the need for 
additional space in some boxes, requests for deletion of some items and 
the addition of others, including borrower's name and base flood 
    Because the form is property-specific we did not include the 
borrower's name. We did not add the base flood elevation to the form 
because it is not a determining factor in the requirement of flood 
insurance; in addition, its procurement would add considerable expense.
    We received other comments concerning the mandatory flood insurance 
purchase requirement and the application process for Letters of Map 
Change. Because these comments are not pertinent to the Standard Flood

[[Page 3105]]

Hazard Determination form, they are not addressed here.

INFORMATION COLLECTION: The Standard Flood Hazard Determination form 
must be completed by federally regulated lending institutions and 
federal agency lenders when making, increasing, extending or renewing 
any loan secured by improved real estate, for the purpose of 
documenting the factors considered as to whether flood insurance is 
required and available. When purchasing loans Government sponsored 
enterprises must require this form to document the factors they 
consider when they determine whether flood insurance is required and 
available. The Federal Emergency Management Agency does not collect 
this information.

    Dated: January 13, 1999.
Michael J. Armstrong,
Associate Director, Mitigation Directorate.


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[FR Doc. 99-1210 Filed 1-19-99; 8:45 am]

Last Updated 11/15/2011

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