The elevation certificate is an important administrative tool for the National Flood Insurance Program (NFIP) and an important risk management tool for property owners with buildings currently classified within FEMA designated Special Flood Hazard Areas (SFHA). It provides information on elevation, building type, flood map location, and additional information used to determine the proper flood insurance premium rates. It is also used to support a request for a Letter Of Map Amendment (LOMA) or Letter Of Map Revision (LOMR), and to ensure compliance with community floodplain management ordinances.
An elevation certificate measures the difference in elevation between your home and the base flood elevation of your area. It is required in order to properly rate post-FIRM buildings, which are buildings constructed after the publication of the first Flood Insurance Rate Map (FIRM) in a particular community, in zones A1-A30, AE, AH, A (with BFE), VE, V1-V30, V (with BFE), AR, AR/A, AR/AE, AR/A1-A30, AR/AH, and AR/AO. However, an elevation certificate is not required to buy flood coverage for pre-FIRM buildings unless the property owner or insurance agent wants to rate the buildings under the post-FIRM flood insurance rules to determine if the premium rate would be lower.
The elevation certificate must be signed and sealed by a land surveyor, engineer or architect authorized by law to certify such information. Most elevation certificates are prepared by surveyors licensed by the state in which the subject property is located.
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