Flood certifications are an essential part of the mortgage process, but how much do most mortgage professionals really know about them? Here are some quick pointers from our flood certifications' vendor, ServiceLink. 

#1: What is a Flood Zone Determination, and why is this service needed?

A Flood Zone Determination (FZD) is an assessment of a property’s risk for flooding as determined by the Federal Emergency Management Agency (FEMA). FZDs are made by locating properties in question on Flood Insurance Rate Maps (FIRMs) or Flood Hazard Boundary Maps (FHBMs) published by FEMA and