Elevation Certificate Requirements

The elevation certificate can be defined as a risk management tool developed for buildings and properties in flood prone areas. The NFIP (National Flood Insurance Program) and FEMA (Federal Emergency Management Agency) work in close association to provide these risk coverage facilities to people.

It provides risk coverage to the buildings located in the areas classified under FEMA designated SFHA (Special Flood Hazard Areas) this certificate is required to be duly signed and sealed by a certified engineer, architect or a land surveyor. An elevation certificate is a tool which assesses the risk of flood on a constructed property.

This certificate facilitates the property owners to qualify for discounts on flood insurance. To qualify for discounts in flood insurance, a property owner is required to prove that the flood risk has been reduced by elevation and is required to attach an elevation certificate for the property.

Requirements for possessing elevation certificate:

A flood elevation certificate can be possessed by building owners whose properties are located in flood plain that is, the flood prone areas. The buildings in flood plains are classified into two categories:

  • Pre-FIRM (Flood Insurance Rate Map)

These are the buildings which were built before December 31, 1974.

  • Post-FIRM (Flood Insurance Rate Map)

These are the buildings which were built after December 31, 1974.

Since, standard home insurance does not covers the damages caused by floods, so the buildings under both these categories are eligible for flood insurance discounts, but the actual discount rate depends on the specifications like FIRM status, flood risk status (low, moderate or high) etc.

Steps to obtain an elevation certificate:

To obtain an elevation certificate for your property you need to perform following steps:

  • Get an elevation certificate form for your property either from your flood district or from the FEMA website.
  • The next step is to complete the elevation certificate form. This form can be completed by a land surveyor or a licensed engineer. These professionals are required to complete a building elevation survey.
  • To fully complete this form you are required to attach the certification pertaining to the elevation of your property given by an authorized architect, engineer or surveyor along with the form.  This elevation certificate can only be completed by above mentioned professionals who are legally authorized to attest the elevation information.
  • After submitting the fully completed form, you can get an elevation certificate within 3 business days under normal circumstances.

Category: Certificate Requirements

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