FEMA
A FEMA Elevation Certificate is a crucial document used to determine the flood risk of a property. It provides detailed information about a building’s elevation in relation to the Base Flood Elevation (BFE), which is the height of the flood water expected during a 100-year flood.
FEMA Elevation Certificates are important for a variety of reasons:
Flood Insurance
It helps determine the appropriate flood insurance premium. Properties elevated above the BFE typically have lower rates.
Floodplain Management
Local communities use it to enforce floodplain regulations and ensure buildings are constructed to withstand flooding.
Mortgage and Title Companies
These entities often require the certificate to assess the property’s flood risk.
When Do You Need a FEMA Elevation Certificate?
Property Transactions
An EC is often required by mortgage lenders and title companies for properties located in high-risk flood zones (Special Flood Hazard Areas or SFHAs). This helps ensure the lender understands the flood risk associated with the property.
New Construction or Substantial Improvements
If you’re planning a new build in an SFHA or make significant improvements to an existing structure, an EC may be required by your local community to verify that the lowest floor is built above the base flood elevation (BFE).
Supporting the Modification to Flood Maps
An Elevation Certificate can be valuable evidence if you wish to challenge the designated flood zone or base flood elevation for your property.
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