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This document is used to provide elevation information of a building to determine its compliance with floodplain management regulations, as part of the National Flood Insurance Program.
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How to fill out elevation certificate
How to fill out Elevation Certificate
01
Obtain a copy of the Elevation Certificate form from your local floodplain manager or online.
02
Fill out the applicant's information, including name, address, and type of building.
03
Enter the location of the property and provide details regarding the flood zone designation.
04
Measure the elevation of the lowest floor, including the basement, if applicable.
05
Determine the base flood elevation (BFE) using the Flood Insurance Rate Map (FIRM).
06
Record other required elevations, such as the deck or swimming pool, if applicable.
07
Sign and date the form certifying the accuracy of the information provided.
08
Submit the completed Elevation Certificate to your local government or insurance provider.
Who needs Elevation Certificate?
01
Property owners in flood-prone areas who are required to have flood insurance.
02
Builders and developers to meet local floodplain management regulations.
03
Lenders and mortgage companies when financing properties in high-risk flood zones.
04
Homeowners looking to lower their flood insurance premiums.
05
Local governments and municipalities for compliance with the National Flood Insurance Program (NFIP).
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Will an elevation certificate lower my flood insurance?
If property owners provide an EC with more detailed FFH and elevation information, the flood insurance rating engine may return a lower annual premium. FEMA's system compares the original elevation data with the updated information to deliver a more property-specific and equitable rate for the policyholder.
How do I get a free elevation certificate?
How do I get an elevation certificate? Start by contacting your local floodplain manager. They often work for your city's or county's building, permitting, engineering or land use department. Ask them if there is an elevation certificate on file for your property.
What is included in an elevation certificate?
The EC lists a building's location, lowest point of elevation, flood zone, and other characteristics. Under NFIP's pricing approach, an EC is no longer required to purchase coverage.
What is a BFE certificate?
Base flood elevation (BFE) is a value determined by the Federal Emergency Management Agency (FEMA) that helps identify the flood risk in a certain area. By extension, it also determines the risk a particular structure has of flooding if the water level rises.
Will an elevation certificate lower my flood insurance?
If property owners provide an EC with more detailed FFH and elevation information, the flood insurance rating engine may return a lower annual premium. FEMA's system compares the original elevation data with the updated information to deliver a more property-specific and equitable rate for the policyholder.
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What is Elevation Certificate?
An Elevation Certificate is a document used to verify the elevation of a property in relation to the Base Flood Elevation (BFE) as required by the National Flood Insurance Program (NFIP). It is often used to determine flood insurance premiums.
Who is required to file Elevation Certificate?
Property owners in flood-prone areas, especially those seeking to obtain flood insurance or reduce their flood insurance premium rates, are typically required to file an Elevation Certificate.
How to fill out Elevation Certificate?
To fill out an Elevation Certificate, a licensed surveyor must measure and document the property's elevation relative to the BFE. Accurate measurements and details must be provided in the specific sections of the form.
What is the purpose of Elevation Certificate?
The purpose of an Elevation Certificate is to provide important elevation information about a property that is necessary for flood insurance rating, determining building flood risk, and compliance with local floodplain management regulations.
What information must be reported on Elevation Certificate?
The Elevation Certificate must report the property's elevation relative to the BFE, the lowest point of elevation of the building, flood zone designation, and any other relevant data such as building characteristics and the location of the equipment.
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