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We’ve all recently experienced what it’s like to have a sudden shift in focus to more immediate challenges, such as working with limited staff or working remotely. As these recent times have demonstrated, the way we do business can change abruptly at any time and cause a variety of challenges and distractions. 

It’s at these times that other crucial measures, like maintaining adequate flood compliance policies and procedures, can inadvertently go unchecked.  Sudden changes that affect our daily operations, and the speed and quality of otherwise sound practices, can unfortunately lead to mistakes, violations, liabilities, and unfortunate penalties. 

If your team, department or organization hasn’t already done so, now is the time to revisit your flood compliance procedures and policies in order to avoid confusion, frustration and even future civil money penalties incurred by common flood compliance violations.


Flood compliance violations can result in heavy fines. It’s important to stay aware of, and avoid common violations, including:  

  • No insurance coverage 
  • Inadequate insurance coverage amount
  • Lapsed flood insurance coverage
  • No notice of flood coverage needed provided to buyer/owner
  • Failing to comply with the force-placement flood insurance requirement


As we look forward to some resurgence of business, it’s an ideal time to plan a review of all procedures and policies. A plan can be simply structured as follows:

  1. Review procedures and policies
  2. Identify areas of potential compliance failure 
  3. Develop resources for guidance in any situation

Recommended steps for a thorough review of lending compliance procedures may include:

  • Review all specific steps in your current procedures, conducted as a department team.
  • Consider changes or adaptations to your bank that could occur (such as working with limited staff, or working remotely). Understand how this may affect your current compliance procedures.
  • Develop solutions or adjustments to current procedures, and test these new procedures to ensure success.
  • Build a list of trusted resources to which you can turn to for assistance in trying situations.


Proper flood compliance starts with having a correct flood determination on every federally backed loan. In addition, properties in Special Flood Hazard Areas require additional diligence and expertise.  

WTG offers superiorly accurate, certified and insured structure-based Flood Determination Reports, backed with personalized expert support and guidance.  Recent events have proven that our emergency preparedness system is successful, and we’ve been able to continue delivering the highest quality flood and tideland related data reporting and expertise without pause. 

Whether a bank is a current, active client of Western Technologies Group (WTG) or not, we invite every institution to leverage our expertise as a resource at all times. Count on WTG as you top go-to resource for flood determination expertise.