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This document certifies the elevation of a property in relation to flood levels, required for obtaining flood insurance under the National Flood Insurance Program.
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How to fill out elevation certificate
How to fill out Elevation Certificate
01
Obtain a blank Elevation Certificate form from your local floodplain manager or online.
02
Fill in the property information section at the top of the form, including the address and property owner's name.
03
Complete the building characteristics section, providing details like the type of building, construction date, and number of stories.
04
Measure the elevation of the lowest floor of the building, recording this information in the designated area of the form.
05
Measure and record the elevation of any attached garages or basements.
06
Fill out the section regarding flood zone information, confirming the property's zone designation.
07
Have a licensed surveyor or engineer sign and certify the Elevation Certificate once all information is complete.
08
Submit the completed Elevation Certificate to your local floodplain office and for your insurance provider.
Who needs Elevation Certificate?
01
Homeowners in flood-prone areas who are required to carry flood insurance.
02
Real estate sellers and buyers during property transactions in designated flood zones.
03
Builders and developers seeking to ensure compliance with local floodplain management regulations.
04
Insurance agents needing elevation data to accurately assess flood insurance premiums.
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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 certify the elevation of a property in relation to the base flood elevation (BFE) as defined by the National Flood Insurance Program (NFIP). It provides information concerning the elevation of a building’s lowest floor and is often used to determine flood insurance rates.
Who is required to file Elevation Certificate?
Typically, an Elevation Certificate is required for property owners in areas designated as flood zones by the Federal Emergency Management Agency (FEMA). It is often needed when applying for flood insurance, during real estate transactions, or for compliance with local building ordinances.
How to fill out Elevation Certificate?
To fill out an Elevation Certificate, property owners should begin by collecting necessary site-specific information such as the elevation of the property, building characteristics, and flood zone designation. The form must be completed by a licensed surveyor, engineer, or architect, who will provide accurate measurements of the building's lowest floor and other relevant elevation data.
What is the purpose of Elevation Certificate?
The main purpose of an Elevation Certificate is to provide crucial information about a property's elevation relative to flood risk, which helps determine the appropriate flood insurance premiums and supports regulatory compliance with local and federal floodplain management requirements.
What information must be reported on Elevation Certificate?
The Elevation Certificate must report the elevation of the lowest floor of the building, the elevation of any attached garage, the flood zone designation, the building's footprint, and information about surrounding structures, including their elevations. It also typically requires details about the surveying entity and the date of the survey.
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