Commercial & Portfolio

Flood intelligence for higher-stakes decisions

The same FEMA flood zone methodology applies to commercial properties. The financial stakes and decision complexity are simply higher — and the analysis needs to match.

What's the Same

Flood mapping doesn't differentiate by property type

AE is AE. A flood zone designation is a land-based determination — it applies equally to a single-family home and a commercial warehouse on the same parcel. The regulatory framework, insurance requirements, and LOMA/LOMR processes are identical.

Same for Residential & Commercial

  • FEMA flood zone designation process
  • Mandatory insurance requirements (federally-backed loans)
  • FIRM map and BFE determination
  • LOMA/LOMR amendment process
  • Floodplain management ordinance compliance
  • Risk Rating 2.0 pricing methodology
  • Elevation Certificate requirements

Different for Commercial

  • Coverage structure and policy limits
  • Business interruption considerations
  • SBA and commercial lender requirements
  • Tenant and lease implications
  • Development and permit requirements
  • Portfolio-level exposure assessment
  • Higher financial stakes per decision
Who We Serve

Commercial flood intelligence use cases

🏢 Commercial Property Owners

Understand your flood zone, insurance requirements, and optimization opportunities for single commercial properties.

📊 Investment Portfolios

Portfolio-level flood exposure assessment across multiple properties. Identify concentration risk and insurance gaps.

🏗️ Developers

Pre-development flood zone analysis, regulatory compliance review, and floodplain permitting context for proposed projects.

🤝 Acquisitions & Due Diligence

Pre-purchase flood risk intelligence for commercial acquisitions. Identify issues before they become post-closing surprises.

🏦 SBA & Lender Compliance

Flood zone determinations and insurance requirement analysis for SBA loans and commercial mortgage transactions.

📋 Lease & Tenant Issues

Flood risk context for commercial leases, tenant disclosure requirements, and property management decisions.

Get Started

Commercial inquiry

Commercial engagements are scoped individually based on property type, portfolio size, and specific needs. Submit your inquiry and we'll respond within one business day.

We will respond within one business day to discuss scope and pricing for your specific needs. This service is an independent risk analysis. Insurance services are provided separately through a licensed agent engagement.

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Inquiry Received

Thank you. We'll review your inquiry and respond within one business day at the email you provided.

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How commercial engagements work

1

Submit Your Inquiry

Tell us about your property, portfolio, or project. The more detail you provide, the more accurately we can scope the engagement.

2

Scope Discussion

We'll respond within one business day to discuss your needs, confirm scope, and provide pricing. Commercial engagements are quoted individually.

3

Analysis & Delivery

We conduct the analysis using primary FEMA data sources, county GIS records, and applicable regulatory guidance. Delivered digitally by email.

4

Follow-Up Support

Questions after delivery are welcome. For insurance quote assistance, that engagement follows separately through a licensed agent process.

On insurance independence: Our flood risk analysis is provided independently, with no insurance commissions involved in the consulting engagement. If you want flood insurance quotes after receiving your analysis, that's handled as a separate optional service through a licensed agent — maintaining clean separation between the independent review and any subsequent insurance placement.