Often FHD's may not provide the level of information a borrower or client may desire regarding his exposure to flooding. An on site inspection and detailed evaluation can be easily justified with annual flood insurance premiums ranging from $500 to $700 or more.

A field appraisal and report can provide but is not limited to the following information :

~ Review accuracy of the FIRM relative to existing conditions.

~ Evaluate structure/property for LOMA/LOMA qualification.

~ If post FIRM construction, review for compliance with mandatory federal and local standards.

~ Review the flood insurance premium rate established by others.

~ Assess the real exposure of the structure/property to flooding.

~ Evaluate alternatives relative to reducing exposure to flooding and flood damages.