Your answer is found at 33 CFR § 183.53. Here's a link:
http://ecfr.gpoaccess.gov/cgi/t/text/text-idx?c=ecfr&sid=01a07e768bf68512eb597990da8498e4&rgn=div8&view=text&node=33:2.0.1.8.45.4.217.2&idno=33
First, you compute a factor. This factor is [boat length] times
[transom width]. If the transom is not the widest part of the boat,
substitute the width measured at the widest part of the stern quarter.
If your factor is less than 52.5, you apply the horsepower ratings
shown in the table in 33 CFR § 183.53. That table provides
Factor :: Horsepower
0-35 :: 3
36-39 :: 5
40-42 :: 7.5
43-45 :: 10
46-52 :: 15
If the factor is greater than 52.5, you apply a formula to the
factor. There are 3 possible factors depending on transom height and
hull shape. Your boat is not flat bottomed with hard chines, and it
probably doesn't have a 20-inch transom (my guess would be 15"). So
the formula you apply is: 0.8 times [factor] minus 25.
If the capacity calculated is not a multiple of 5, you may raise to
the next higher multiple of 5.
So, if your boat is 14 feet long and is 6 feet wide at the transom,
your factor is 14 x 6 = 84
Applying the formula, 0.8 x 84 = 67.2
67.2 - 25 = 42.2
Raised to nearest multiple of 5 = 45 hp capacity.
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