Can this form be signed electronically?

Yes. Electronic signatures are enforceable under the ESIGN Act (15 U.S.C. §7001) and UETA in most states, provided the signer intends to sign and consent to electronic records.

When is notarization necessary?

Notarization depends on the recipient and state rules; lenders or municipalities may require a notarized signature or a Remote Online Notarization (RON) where permitted.

Who can sign on behalf of an owner?

An authorized agent may sign if they have written authority or power of attorney; include documentation of authority to avoid rejection by lenders or insurers.

How do I correct a submitted statement?

Provide a revised, signed statement noting the correction date and reason. Retain both versions and inform all recipients to avoid disputes.

How long until the requester accepts it?

Processing varies: insurers 5–10 business days, lenders often 3–7 business days; municipal responses can take longer depending on workload.

How should I store the completed form?

Keep an electronic copy with audit trail and one secure backup. Follow applicable retention rules such as IRS and HIPAA timelines depending on the document context.

Electronic Signature
Templates
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Flood Zone Statement and Authorization

Flood Zone Statement and Authorization

This template is fully customizable. Edit the text, fill out the fields, and send it for signature. Give it a try!

Flood Zone Statement and Authorization

Property Address:

Statement by Sellers (Check one):

To the best of my/our knowledge the property at the address described above is not located in an area that has been identified as being flood prone as defined by the National Flood Insurance Act of 1968.

To the best of my/our knowledge the property at the address described above is located in an area that has been identified as being flood prone as defined by the National Flood Insurance Act of 1968.

The property at the address described above flood zone status is reflected in survey or Flood Certification form by

a copy of which is attached.

Statement by Buyers:

I/We have been informed of the flood zone status of the property located at the address above.

Seller

Date

Buyer

Date

Address

City

State

Zip

City

State

Zip

Seller

Date

Buyer

Date

Address

City

State

Zip

City

State

Zip

What the Flood Zone Statement and Authorization Is

A Flood Zone Statement and Authorization documents a property’s flood zone designation, records the owner or authorized agent’s acknowledgement, and grants permission for access, inspection, or disclosure of flood-related information. Commonly used in real estate, mortgage underwriting, insurance underwriting, and municipal permitting, the form clarifies responsibilities tied to flood risk and confirms consent to obtain elevation certificates, flood maps, or FEMA data.

Why this statement matters for risk and compliance

The Flood Zone Statement and Authorization establishes legal consent to verify flood status, supports lender and insurer due diligence, and creates a clear record of disclosure and authorization that reduces delays and ambiguity during a property transaction.

Who typically completes and signs this form

The form ensures each party has documented consent and a basis for flood-related decisions during closing, underwriting, or permitting.

Property owners and buyers — sign to confirm awareness and permit access for inspections or data requests.
Lenders and mortgage servicers — request the form to verify flood status for loan underwriting and escrow requirements.
Insurers and agents — use the authorization to obtain elevation data and determine National Flood Insurance Program (NFIP) rating.

Core parts you’ll find on a professional form

A complete Flood Zone Statement and Authorization groups identity, property details, flood designation, access permission, disclosures, and signature blocks so each element is clear and legally tracked.

Identity

Full legal names and contact details for owners, mortgagees, and authorized agents to establish who is granting consent and who may receive disclosures.

Property

Street address, parcel or tax ID, and legal description so flood determinations are tied to the exact property rather than a general area.

Flood Status

Explicit flood zone as determined by FEMA map or survey, plus space to note FIRMetc. or elevation certificate references used to make the determination.

Authorization

Clear grant permitting inspections, elevation certificate retrieval, or release of floodplain information to lenders, insurers, or municipal authorities.

Disclosure

Required statements about known flood history, potential insurance requirements, and borrower/owner obligations related to flood mitigation or escrowed premiums.

Signatures

Signature and date fields for the property owner and any authorized representative; optional notary or witness lines when jurisdiction or lender requires.

Essential data points to capture

Owner Name: Legal name

Property Address: Full street address

Parcel ID: Assessor number

FEMA Zone: Zone code

Authorized Party: Agent name

Signature Date: MM/DD/YYYY

Step-by-step: completing the Flood Zone Statement and Authorization

Follow these sequential steps to complete the form and supply any supporting documentation that third parties commonly require.

01

Identify Parties: Enter owner and agent details.
02

Describe Property: Provide full address and parcel ID.
03

Grant Authorization: Specify actions and recipients.
04

Sign and Date: Include notary if required.

Configuring an online workflow for this form

Set up fields and routing so the authorization is signed, stored, and shared with lenders, insurers, and title agents automatically.

Field	Configuration
Owner Name	Required text field, autofill from profile
Property Address	Single-line required field with validation
Flood Zone	Optional dropdown for FEMA codes
Signature	Signature field with date and audit trail

Where to send or file the completed form

After signing, provide copies to the parties who requested the authorization and retain a certified copy for records.

Lender or Servicer: Upload to loan file or deliver to escrow officer.
Insurance Carrier: Send to underwriting or agent for rate review.
Title Company: Include with closing documents and escrow instructions.
Local Agency: If required, file with permitting or floodplain manager.

Electronic delivery and signing considerations

Ensure the platform supports retention and export formats you need for lending, insurance, or municipal recordkeeping and that BAAs or other agreements are in place when required.

Supported Formats: PDF, DOCX accepted
Authentication: Email, SMS, or advanced methods
Audit Trail: Capture IP, timestamp, and actions

Typical timing and processing expectations

Expect timelines to vary by requester; plan ahead to avoid closing or underwriting delays.

Requester Deadline:

Often required within loan closing timelines

Insurer Review Time:

May take 5–10 business days for underwriting

Lender Response:

Typically 3–7 business days after receipt

Municipal Processing:

Varies widely; check local permitting schedule

Extension Requests:

Request additional time in writing

Common mistakes that cause delays

Incomplete property identifiers — missing parcel or legal description that prevents match to FEMA panels and causes re-requests.
Mismatched signer names — owner name different from recorded title triggers identity verification or rejection.
Vague authorization scope — ambiguous language about which records may be obtained causes third parties to refuse reliance.
Missing notarization where required — regional or lender-specific notary requirements are often overlooked and delay closings.

Consequences of inaccurate or incomplete statements

Loan Delay: Closing postponements

Coverage Denial: Insurance premium adjustments

Title Issues: Escrow complications

Regulatory Risk: Local fines possible

Liability Exposure: Civil claims risk

False Statement: Potential criminal penalty

Typical eSignature vendor pricing and capability snapshot for this document

Comparison shows starting prices and common capability flags; signNow appears first and includes the platform-level options many document processors require.

	signNow	DocuSign	Adobe Sign	PandaDoc	HelloSign
Starting Price	$8/user/mo	$15/user/mo	$14/user/mo	$19/user/mo	$15/user/mo
Free Trial	Yes, 7-day trial	No	No	Yes, limited	Yes, limited
Bulk Send	Yes	Yes	Yes	Yes	No
Audit Trail	Yes	Yes	Yes	Yes	Yes
HIPAA Compliant	Yes	Yes	Yes	No	No
Envelope Cap	No cap	100 envelopes/user/year	Varies by plan	Varies by plan	Varies by plan

Frequently asked questions about execution and validity

Answers address common legal, execution, and practical concerns when preparing or receiving a Flood Zone Statement and Authorization.

Need help? Contact support

Can this form be signed electronically?
Yes. Electronic signatures are enforceable under the ESIGN Act (15 U.S.C. §7001) and UETA in most states, provided the signer intends to sign and consent to electronic records.
When is notarization necessary?
Notarization depends on the recipient and state rules; lenders or municipalities may require a notarized signature or a Remote Online Notarization (RON) where permitted.
Who can sign on behalf of an owner?
An authorized agent may sign if they have written authority or power of attorney; include documentation of authority to avoid rejection by lenders or insurers.
How do I correct a submitted statement?
Provide a revised, signed statement noting the correction date and reason. Retain both versions and inform all recipients to avoid disputes.
How long until the requester accepts it?
Processing varies: insurers 5–10 business days, lenders often 3–7 business days; municipal responses can take longer depending on workload.
How should I store the completed form?
Keep an electronic copy with audit trail and one secure backup. Follow applicable retention rules such as IRS and HIPAA timelines depending on the document context.

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