Fema elevation certificate instructions

Fema elevation certificate instructions

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Understanding what an elevation certificate is and how to read one will help you better navigate the problems that a home may have with flood insurance, which is an important part of the home-buying process. An elevation certificate (EC) is a document prepared by a land surveyor (or other licensed professional) that specifies a home’s elevation in relation to the Base Flood Elevation, or “BFE.” The BFE is the estimated elevation at which floodwaters have a 1% chance of reaching or exceeding in any given year. Remember that standard homeowners policies do not cover any kind of flood damage, regardless of the source of the water.
If the property is located in a high-risk area, such as a zone designated by the letters A or V on a Flood Insurance Rate Map (FIRM), the EC contains critical information for determining a risk-based premium rate for a flood insurance policy. The EC, for example, displays the building’s location, lowest floor elevation, building characteristics, and flood zone. The EC is six pages long. The first four pages contain information about the property, the Flood Insurance Rate Map (FIRM), and data about the structure. Photos of the property and structure can be found on pages 5 and 6. Your insurance agent will use the EC to compare the elevation of your house to the BFE shown on the rating map and calculate the cost of flood insurance.

Fema elevation certificate instructions 2021

I’m Steve Samuelson with the Kansas Department of Agriculture’s Division of Water Resources, and I teach classes to community officials about floodplain management and the elevation certificate, and I use this little toy model to help demonstrate aspects of the elevation certificate. One of the biggest problems we have with elevation certificates is that surveyors use the wrong building identifier.

Fema elevation certificate instructions on line

According to the Federal Emergency Management Agency, an elevation certificate is a document that lists a building’s location, lowest point of elevation, flood zone, and other features (FEMA). It is used to enforce local building codes and to assist in the calculation of flood insurance rates.
If your home is at a high risk of flooding, you’ll most likely need to receive a FEMA elevation certificate before purchasing flood insurance. FEMA explains that the certificate compares your property’s elevation to the base flood elevation on a flood map. Each year, structures located at the base flood elevation are judged to have a 1% chance of flooding. The lowest point of elevation on your property is compared to the base flood elevation to assess its flood risk and how much you’ll pay for flood insurance, according to FEMA.

Fema elevation certificate instructions online

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