---
title: "Flood: Relying on A Prior Flood Determination"
description: Learn when you can rely on a previous flood determination form and avoid compliance errors. Understand the regulations and exceptions in this informative post.
---

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# [Flood: Relying on A Prior Flood Determination](https://blog.bankerscompliance.com/en/flood-relying-on-a-prior-flood-determination)

 Written by [Jerod Moyer](https://blog.bankerscompliance.com/en/author/jerod-moyer) | May 1, 2024 5:20:50 PM

Have you ever been confused about if or when you could rely on a previous flood determination form? It’s something we get asked a lot. While some financial institutions choose to get a new flood determination every time they touch a loan, that is fine and may help eliminate some compliance errors. However, there are certain instances where it is acceptable to rely on a previous one. These include:

- The [SFHDF](https://www.fema.gov/flood-insurance/find-form/underwriting) is less than seven years old;
- There have been no map changes; and,
- The determination is on an actual Standard Flood Hazard Determination Form.

Keep in mind, this is what the regulation says and you may also need to check what your contract with your flood vendor says.

Jerod explains more in the video.

Published  
2024/05/01

 

[View full post](https://blog.bankerscompliance.com/en/flood-relying-on-a-prior-flood-determination)

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