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A national bank or Federal savings association shall use the standard flood hazard determination form developed by the Administrator of FEMA when determining whether the building or mobile home offered as collateral security for a loan is or will be located in a special flood hazard area in which flood insurance is available under the Act.
But a BFE is not a FEMA-specific thing. BFEs can be calculated for any flood zone from any flood model. Typically, like on the FIRMs, the base flood is deemed to be the 1% annual probability flood. Once the base flood is identified (1% or otherwise), the elevation of the water surface of that flood needs to be determined.