Mapping of FEMA Flood Determination Certificate Fields to MISMO 2.1 Flood Response

Abstract

This document provides a mapping of the FEMA Flood Determination Certificate Fields to the contents of the MISMO 2.1 Flood Response. It is organized according to the sections, subsections, and fields of the FEMA form.

Last Modified $Date: 2006/01/18 21:40:12 $

Chapter 1. Section I - Loan Information

1. Lender Name and Address

N/A in Flood Response

2. Collateral Property Address

The property address is contained within the attributes of the PROPERTY child element of the FLOOD_RESPONSE element.

Example 1.1. Collateral Property Address


<RESPONSE_GROUP>
  ...
    <FLOOD_RESPONSE>              
      <BORROWER .../>
      <MORTGAGE_TERMS .../>
      <PROPERTY _StreetAddress="3841 SW 117TH AVE"
                _City="MIAMI" 
                _County="MIAMI-DADE COUNTY" 
                _State="FL" 
                _PostalCode="33175"/>
      <FLOOD_DETERMINATION> 
        ...
      </FLOOD_DETERMINATION>
    </FLOOD_RESPONSE>              
  ...
<RESPONSE_GROUP>

3. Lender Id No

The Lender Identifier is contained within the RegulatoryAgencyLenderIdentifier attribute of the _LOAN_INFORMATION child element of the FLOOD_DETERMINATION element.

Example 1.2. Lender Identifier


<RESPONSE_GROUP>
  ...
    <FLOOD_RESPONSE>              
      <BORROWER .../>
      <MORTGAGE_TERMS .../>
      <PROPERTY .../>
      <FLOOD_DETERMINATION> 
        <_LOAN_INFORMATION RegulatoryAgencyLenderIdentifier="MyLenderId123" .../>        
        ...
      </FLOOD_DETERMINATION>
    </FLOOD_RESPONSE>              
  ...
<RESPONSE_GROUP>

4. Loan Identifier

The Loan Identifier is contained within the LenderCaseIdentifier attribute of the MORTGAGE_TERMS child element of the FLOOD_RESPONSE element.

Example 1.3. Loan Identifier


<RESPONSE_GROUP>
  ...
    <FLOOD_RESPONSE>              
      <BORROWER .../>
      <MORTGAGE_TERMS LenderCaseIdentifier="MyLoanNumber123" .../>
      <PROPERTY .../>
      <FLOOD_DETERMINATION> 
        ...
      </FLOOD_DETERMINATION>
    </FLOOD_RESPONSE>              
  ...
<RESPONSE_GROUP>

5. Amount of Flood Insurance Required

N/A in Flood Response

Chapter 2. Section II

1. NFIP Community Jurisdiction

1.1. NFIP Community Name

The NFIP community name is contained within the NFIPCommunityName attribute of the _COMMUNITY_INFORMATION child element of the FLOOD_DETERMINATION element.

Example 2.1. NFIP Community Name


<RESPONSE_GROUP>
  ...
    <FLOOD_RESPONSE>              
      <BORROWER .../>
      <MORTGAGE_TERMS .../>
      <PROPERTY .../>
      <FLOOD_DETERMINATION> 
        <_COMMUNITY_INFORMATION NFIPCommunityName="AUSTIN, CITY OF" .../>        
        ...
      </FLOOD_DETERMINATION>
    </FLOOD_RESPONSE>              
  ...
<RESPONSE_GROUP>

1.2. Count(ies)

The NFIP county is contained within the NFIPCounty attribute of the _COMMUNITY_INFORMATION child element of the FLOOD_DETERMINATION element.

Example 2.2. Count(ies)


<RESPONSE_GROUP>
  ...
    <FLOOD_RESPONSE>              
      <BORROWER .../>
      <MORTGAGE_TERMS .../>
      <PROPERTY .../>
      <FLOOD_DETERMINATION> 
        <_COMMUNITY_INFORMATION NFIPCounty="TRAVIS" .../>        
        ...
      </FLOOD_DETERMINATION>
    </FLOOD_RESPONSE>              
  ...
<RESPONSE_GROUP>

1.3. State

The NFIP state is contained within the NFIPStateCode attribute of the _COMMUNITY_INFORMATION child element of the FLOOD_DETERMINATION element.

Example 2.3. State


<RESPONSE_GROUP>
  ...
    <FLOOD_RESPONSE>              
      <BORROWER .../>
      <MORTGAGE_TERMS .../>
      <PROPERTY .../>
      <FLOOD_DETERMINATION> 
        <_COMMUNITY_INFORMATION NFIPStateCode="TX" .../>        
        ...
      </FLOOD_DETERMINATION>
    </FLOOD_RESPONSE>              
  ...
<RESPONSE_GROUP>

1.4. NFIP Community Number

The NFIP community number is contained within the NFIPCommunityIdentifier attribute of the _COMMUNITY_INFORMATION child element of the FLOOD_DETERMINATION element.

Example 2.4. NFIP Community Number


<RESPONSE_GROUP>
  ...
    <FLOOD_RESPONSE>              
      <BORROWER .../>
      <MORTGAGE_TERMS .../>
      <PROPERTY .../>
      <FLOOD_DETERMINATION> 
        <_COMMUNITY_INFORMATION NFIPCommunityIdentifier="480624" .../>        
        ...
      </FLOOD_DETERMINATION>
    </FLOOD_RESPONSE>              
  ...
<RESPONSE_GROUP>

2. NFIP Data Affecting Building/Mobile Home

2.1. NFIP Map Number or Community Panel

The map number is contained within the NFIPMapIdentifier of the _BUILDING_INFORMATION child element of the FLOOD_DETERMINATION element. The panel and panel suffix are contained within the NFIPMapPanelIdentifier and NFIPMapPanelSuffixIdentifier attributes of the _BUILDING_INFORMATION element.

Example 2.5. NFIP Map Number or Community Panel


<RESPONSE_GROUP>
  ...
    <FLOOD_RESPONSE>              
      <BORROWER .../>
      <MORTGAGE_TERMS .../>
      <PROPERTY .../>
      <FLOOD_DETERMINATION>
        ... 
        <_BUILDING_INFORMATION NFIPMapIdentifier="48491C" NFIPMapPanelIdentifier="0308" NFIPMapPanelSuffixIdentifier="D" .../>        
        ...
      </FLOOD_DETERMINATION>
    </FLOOD_RESPONSE>              
  ...
<RESPONSE_GROUP>

2.2. NFIP Map Panel Effective/Revised Date

The map panel date is contained within the NFIPMapPanelDate attribute of the _BUILDING_INFORMATION child element of the FLOOD_DETERMINATION element.

Example 2.6. NFIP Map Panel Effective/Revised Date


<RESPONSE_GROUP>
  ...
    <FLOOD_RESPONSE>              
      <BORROWER .../>
      <MORTGAGE_TERMS .../>
      <PROPERTY .../>
      <FLOOD_DETERMINATION>
        ... 
        <_BUILDING_INFORMATION NFIPMapPanelDate="1997-01-03" .../>        
        ...
      </FLOOD_DETERMINATION>
    </FLOOD_RESPONSE>              
  ...
<RESPONSE_GROUP>

2.3. LOMA/LOMR

The LOMA/LOMR date information is contained within the NFIPLetterOfMapDate attribute of the _BUILDING_INFORMATION child element of the FLOOD_DETERMINATION element. If there is a LOMA/LOMR date, the box on the form will be checked and the date will be filled in.

Example 2.7. LOMA/LOMR


<RESPONSE_GROUP>
  ...
    <FLOOD_RESPONSE>              
      <BORROWER .../>
      <MORTGAGE_TERMS .../>
      <PROPERTY .../>
      <FLOOD_DETERMINATION>
        ... 
        <_BUILDING_INFORMATION NFIPLetterOfMapDate="2000-08-24" .../>        
        ...
      </FLOOD_DETERMINATION>
    </FLOOD_RESPONSE>              
  ...
<RESPONSE_GROUP>

2.4. Flood Zone

The flood zone is contained within the NFIPFloodZoneIdentifier attribute of the _BUILDING_INFORMATION child element of the FLOOD_DETERMINATION element.

Example 2.8. Flood Zone


<RESPONSE_GROUP>
  ...
    <FLOOD_RESPONSE>              
      <BORROWER .../>
      <MORTGAGE_TERMS .../>
      <PROPERTY .../>
      <FLOOD_DETERMINATION>
        ... 
        <_BUILDING_INFORMATION NFIPFloodZoneIdentifier="X" .../>        
        ...
      </FLOOD_DETERMINATION>
    </FLOOD_RESPONSE>              
  ...
<RESPONSE_GROUP>

2.5. No NFIP Map

This field on the form is marked with an 'X' if the NFIPMapIndicator attribute of the _BUILDING_INFORMATION element contains the value "N". It is left blank if the value of the attribute is "Y".

Example 2.9. No NFIP Map


<RESPONSE_GROUP>
  ...
    <FLOOD_RESPONSE>              
      <BORROWER .../>
      <MORTGAGE_TERMS .../>
      <PROPERTY .../>
      <FLOOD_DETERMINATION>
        ... 
        <_BUILDING_INFORMATION NFIPMapIndicator="N" .../>        
        ...
      </FLOOD_DETERMINATION>
    </FLOOD_RESPONSE>              
  ...
<RESPONSE_GROUP>

3. Federal Flood Insurance Availability

The flood insurance participation status of the community is contained within the NFIPCommunityParticipationStatusType and ProtectedAreaIndicator attributes of the _INSURANCE_INFORMATION child element of the FLOOD_DETERMINATION element.

Example 2.10. Federal Flood Insurance Availability


<RESPONSE_GROUP>
  ...
    <FLOOD_RESPONSE>              
      <BORROWER .../>
      <MORTGAGE_TERMS .../>
      <PROPERTY .../>
      <FLOOD_DETERMINATION>
        ... 
        <_INSURANCE_INFORMATION NFIPCommunityParticipationStatusType="Regular" ProtectedAreaIndicator="N" .../>      
      </FLOOD_DETERMINATION>
    </FLOOD_RESPONSE>              
  ...
<RESPONSE_GROUP>

3.1. Federal Flood Insurance Available

Box #1 will be checked on the form if the value of NFIPCommunityParticipationStatusType is anything other than "Suspended" or "Non-Participating". If it is "Regular" or "Emergency", the corresponding box for that type will also be checked.

3.2. Federal Flood Insurance Not Available

Box #2 will be checked on the form if the value of NFIPCommunityParticipationStatusType is "Suspended" or "Non-Participating".

3.3. CBRA/OPA Status and Date

Box #3 will be checked on the form if the value of ProtectedAreaIndicator is "Y". If it is "Y", then the CBRA/OPA date will be contained within the ProtectedAreaDesignationDate attribute of the _INSURANCE_INFORMATION element.

Example 2.11. CBRA/OPA Date


<RESPONSE_GROUP>
  ...
    <FLOOD_RESPONSE>              
      <BORROWER .../>
      <MORTGAGE_TERMS .../>
      <PROPERTY .../>
      <FLOOD_DETERMINATION>
        ... 
        <_INSURANCE_INFORMATION ProtectedAreaIndicator="Y" ProtectedAreaDesignationDate="1983-10-01" .../>      
      </FLOOD_DETERMINATION>
    </FLOOD_RESPONSE>              
  ...
<RESPONSE_GROUP>

4. Determination

The answer to the "Is Building in Special Flood Hazard Area?" question is contained within the SpecialFloodHazardAreaIndicator attribute of the FLOOD_DETERMINATION child element of the FLOOD_RESPONSE element.

Example 2.12. Determination


<RESPONSE_GROUP>
  ...
    <FLOOD_RESPONSE>              
      <BORROWER .../>
      <MORTGAGE_TERMS .../>
      <PROPERTY .../>
      <FLOOD_DETERMINATION SpecialFloodHazardAreaIndicator="Y" ...>
        ...
      </FLOOD_DETERMINATION>
    </FLOOD_RESPONSE>              
  ...
<RESPONSE_GROUP>

5. Comments

The comments are contained within the _Description attribute of the STATUS child element of the RESPONSE_DATA element.

Example 2.13. Comments


<RESPONSE_GROUP>
 ...
  <RESPONSE_DATA>  
    <FLOOD_RESPONSE>              
      <BORROWER .../>
      <MORTGAGE_TERMS LenderCaseIdentifier="MyLoanNumber123"/>
      <PROPERTY .../>
      <FLOOD_DETERMINATION> 
        ...
      </FLOOD_DETERMINATION>
    </FLOOD_RESPONSE>       
    <STATUS _Code="S0010" 
            _Name="Complete"
            _Description="1. *** THIS CERTIFICATION FOR DEMONSTRATION PURPOSES ONLY *** "
            _Condition="Success"/>    
  </RESPONSE_DATA>           
 ...
<RESPONSE_GROUP>

Census information, which appears in the comments section on census orders, is contained within the attributes of the _IDENTIFICATION child element of the PROPERTY element.

Example 2.14. Census Information


<RESPONSE_GROUP>
 ...
  <RESPONSE_DATA>  
    <FLOOD_RESPONSE>              
      <BORROWER .../>
      <MORTGAGE_TERMS LenderCaseIdentifier="MyLoanNumber123"/>
      <PROPERTY ...>
        <_IDENTIFICATION CensusTractIdentifier="0088.03" CountyFIPSCode="086" MSAIdentifier="33124" StateFIPSCode="12"/>
      </PROPERTY>
      <FLOOD_DETERMINATION> 
        ...
      </FLOOD_DETERMINATION>
    </FLOOD_RESPONSE>       
    <STATUS _Code="S0010" 
            _Name="Complete"
            _Description="1. *** THIS CERTIFICATION FOR DEMONSTRATION PURPOSES ONLY *** "
            _Condition="Success"/>    
  </RESPONSE_DATA>           
 ...
<RESPONSE_GROUP>

6. Preparer's Information

6.1. Name, Address, Telephone Number

N/A in Flood Response

6.2. Date Of Determination

The Date Of Determination is contained within the FloodProductCertifyDate attribute of the FLOOD_DETERMINATION child element of the FLOOD_RESPONSE element. The returned date is in ISO 8601 time/date format. It is reformatted on the certificate as "MM/DD/YY at HH:MM AM/PM TZ".

Example 2.15. Date Of Determination


<RESPONSE_GROUP>
  ...
    <FLOOD_RESPONSE>              
      <BORROWER .../>
      <MORTGAGE_TERMS .../>
      <PROPERTY .../>
      <FLOOD_DETERMINATION FloodProductCertifyDate="2003-10-16T11:00:02-0500" ...>
        ...
      </FLOOD_DETERMINATION>
    </FLOOD_RESPONSE>              
  ...
<RESPONSE_GROUP>