Most property owners know their flood zone. Almost none know whether it has changed, whether their insurance covers what they think it covers, or whether they're paying for a risk category they don't actually belong in. That's what a Flood Risk Intelligence™ report addresses — researched from FEMA primary source data, reviewed by a licensed flood specialist, specific to your address. Not automated. Not a template.
You know exactly what zone you're in, what it requires, and what the baseline insurance picture looks like. Most owners have never had this confirmed from primary source data. Now you have it on paper.
You know the history — what changed, when, and why. You know whether your insurance covers your actual exposure or leaves a gap. You know which levers are available to you before spending money on surveys or switching policies.
You know whether you can challenge your zone, what it would take, and whether it's worth pursuing. You know your regulatory exposure before you plan any work. You have the analysis that drives the next decision — not more questions.
These are the types of findings that regularly appear in reports — the things FEMA's lookup tools and standard flood determinations don't tell you.
"Zone was AE in 2004. Remapped to X Shaded in 2011 LOMR. Remapped back to AE in 2019 countywide revision — owner unaware."
The 2019 remapping triggered mandatory insurance but the owner purchased a Preferred Risk Policy in 2020 — wrong product for the current designation.
"NFIP building coverage: $250,000. Estimated replacement cost: $418,000. Gap: $168,000 uninsured — plus no contents coverage, no ALE."
Private flood policy at $418k with ALE costs $190/year more than NFIP. The additional premium is roughly 0.1% of the coverage gap it closes.
"Property mapped in Zone AE. Available topographic data shows lot lowest point approximately 1.8 ft above published BFE. LOMA pathway appears viable — survey recommended."
Survey confirmed elevation at BFE +2.1 ft. LOMA granted. Mandatory insurance requirement removed. Annual savings: $2,400.
"Property is Pre-FIRM, Zone AE, structure below BFE. Community tracks cumulative improvements over 5 years. Proposed $95,000 renovation exceeds 50% threshold — elevation required before permit."
Elevation cost: $65,000. Owner learned this before committing to contractor. Renegotiated purchase price to reflect compliance burden.
Commercial flood intelligence covers portfolio due diligence, SBA and lender compliance context, development restriction review, substantial improvement analysis, business interruption gap assessment, and LOMA pathway evaluation. The same methodology — scaled for commercial complexity and financial exposure. Three structured tiers from $149, or custom scope for portfolio and complex engagements.
| Feature | Snapshot $49 |
Analysis $79 |
Comprehensive $129 |
|---|---|---|---|
| Flood Zone & Mapping — what zone you're in, how it was determined, and whether it has ever changed | |||
| Current FEMA flood zone identification | ✓ | ✓ | ✓ |
| FIRM panel identification | ✓ | ✓ | ✓ |
| Plain-language zone explanation | ✓ | ✓ | ✓ |
| Watershed and regional drainage context | ✓ | ✓ | ✓ |
| FIRM revision & map amendment history | — | ✓ | ✓ |
| LOMA / LOMR activity check | — | ✓ | ✓ |
| Zone reclassification history | — | ✓ | ✓ |
| Flood Insurance Study (FIS) reference | — | — | ✓ |
| Flood zone boundary analysis | — | — | ✓ |
| Community floodplain management history | — | — | ✓ |
| Property & Structural Context — how your building's physical characteristics affect your risk and options | |||
| Site and terrain context | — | ✓ | ✓ |
| Foundation and structural characteristic review | — | ✓ | ✓ |
| Mechanical systems exposure context | — | ✓ | ✓ |
| Elevation Certificate assessment & guidance | — | ✓ | ✓ |
| BFE relationship assessment | — | — | ✓ |
| Insurance Analysis — whether your coverage fits your actual exposure and what better options exist | |||
| Mandatory purchase requirement determination | ✓ | ✓ | ✓ |
| NFIP vs. private market overview | ✓ | ✓ | ✓ |
| Risk Rating 2.0 context | — | ✓ | ✓ |
| Coverage gap identification | — | ✓ | ✓ |
| Flood insurance policy review | — | Up to 2 years | Up to 5 years |
| Insurance quote reviews | — | — | Up to 3 |
| Premium optimization context | — | — | ✓ |
| LOMA & Regulatory — whether your zone can be challenged and what development or renovation work triggers | |||
| LOMA pathway assessment | — | — | ✓ |
| Development restriction flags | — | — | ✓ |
| Substantial improvement rule awareness | — | — | ✓ |
| Permitting and floodplain management context | — | — | ✓ |
| Delivery & Support | |||
| Delivery time | 2–3 business days | 2–3 business days | 2–3 business days |
| Reviewed by licensed professional | ✓ | ✓ | ✓ |
| Expert follow-up support | — | — | ✓ |
Every report is individually researched and reviewed by a trained flood specialist before delivery. Reports containing insurance policy analysis are reviewed by a licensed insurance professional. We draw on FEMA primary source data — FIRM panels, Flood Insurance Studies, amendment records — not just the summary zone designation on the map. Not automated. Not a template.
FEMA's tools show you your current zone designation. We research what changed, when it changed, what was amended, how the Flood Insurance Study methodology determined your BFE, and what the insurance and regulatory implications are for your specific property — in plain language you can act on. The history and context are what most owners are missing.
No — reports are independent analysis only. There are no commissions, no carrier relationships, and no insurance sales involved in the review process. Our analysis is fee-based. If you want flood insurance quotes after your review, that's a separate optional engagement through a licensed agent — keeping the analysis fully independent.
The Level 2 Analysis includes map amendment and LOMA/LOMR history — so you'll see whether prior filings exist and whether your zone has changed. The Level 3 Comprehensive Review adds a LOMA pathway assessment — evaluating whether your property may have grounds to formally challenge the designation. Actual LOMA filing requires a licensed engineer or land surveyor.
Level 1 is right if you just need zone clarity and insurance basics. Level 2 is the right starting point for most property owners — it surfaces the map history and policy context where real issues tend to appear. Level 3 makes sense when you suspect your zone is challengeable, you have multiple years of policy documents, or you want the full regulatory and LOMA picture.
We serve property owners across multiple states including West Coast (WA, CA, OR), Gulf Coast, Southern coastal states, and Mid-Atlantic regions including NJ. Coverage is expanding — contact us to confirm availability for your specific location before ordering.
You don't need anything to order. After checkout, we send a secure upload link so you can share flood insurance policy documents, an Elevation Certificate (if you have one), or any FEMA notices you've received. Everything is optional — we work with what you have and note what's missing.
Due to the custom research involved, all sales are final once preparation begins. If you identify factual errors in your report we will correct them at no charge. Questions after delivery are always welcome.