Flood Elevation Certificate Surveying Services

 According to the Federal Emergency Management Agency, an elevation certificate is a document that lists a building's location, the lowest point of elevation, flood zone, and other characteristics (FEMA). It is used to enforce local building codes and to assist in the calculation of flood insurance rates.

It displays structural information about your homes, such as its size, number of openings, whether it's in a flood zone, and its elevation. The elevation of your home is compared to the area's Base Flood Elevation (BFE) on a flood certificate. The BFE is the maximum amount of water that FEMA expects to see in your area if there is a major flood.

As a result, your home's elevation has a significant impact on your flood insurance premium. In general, the higher your home is above the BFE, the lower your risk of flood damage, and thus the lower your flood insurance premium.

A flood insurance certificate can be used to calculate your flood insurance rate, confirm that you're following local ordinances and regulations, or request that FEMA change your flood zone designation.

If you have a mortgage and your home is in a high-risk flood zone, your lender will require you to purchase flood insurance. You'll need a flood elevation certificate if you get your insurance through the National Flood Insurance Program (NFIP), which many people do.

If you're getting a flood policy from a private insurer, you may not need a certificate, but it never hurts to have one. An updated certificate may entitle you to lower rates or allow you to change your food risk.

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