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Flood Insurance and the Revised Flood Hazard Determination Form

The National Flood Insurance Reform Act of 1994 requires federally regulated lenders to use FEMA's Standard Flood Hazard Determination Form (SFHDF), FEMA Form 81-93, when determining whether a building or mobile home offered as security for a loan will be located in a Special Flood Hazard Area. The OMB conducted a periodic review of the SFHDF, which expired on October 31, 2008, as required by the Paperwork Reduction Act, and issued a revised Form with a new control number. The revised Form, with a December 31, 2011 expiration date, and instructions are available on the FEMA Web site at Note that the Form's format and content have not changed.

To allow users of the revised Form time to update their systems to the new version, the effective date for mandatory use of the new Form was set for June 16, 2009. SFHDFs completed on or after that date must be completed using the new Form for compliance purposes. The current Form may be used until then.