Order your FEMA Elevation Certificate for any property in the State of Florida through No Flood Florida. Once the Elevation Certificate is complete, we will review it and let you know if you will qualify for a flood zone designation revision to help you save thousands on your flood insurance premium. Best part is, if we say you qualify for a flood zone change, we back it with our 100% success guarantee – or your money back.
How does an Elevation Certificate help with a flood zone change?
A Letter of Map Amendment or LOMA is often used to prove the building structure is above the Base Flood Elevation (BFE) of the FEMA effective floodplain. Using detailed terrain datasets, No Flood Florida estimates the building structure elevation to determine if there is even a chance of qualifying. If our estimates indicate you are likely to qualify, an Elevation Certificate would be required to make a final determination whether this property would qualify for the flood zone change. If you do not have an Elevation Certificate, please take the first step by ordering an Elevation Certificate.
We are typically focused on two main sections when reviewing Elevation Certificates.
- SECTION B – FLOOD INSURANCE RATE MAP (FIRM) INFORMATION
- SECTION C – BUILDING ELEVATION INFORMATION (SURVEY REQUIRED)
Section B of the Elevation Certificate contains various information related to the FEMA floodplains. In the example below, we can see the floodplain information defined for a property in Pasco County, Florida. We can see the FEMA Flood Zone (B8), the Base Flood Elevation (BFE) (B9), and the vertical datum used for the surveyed data (B11).
Section C of the Elevation Certificate contains survey information related to your building structure and key elevations surrounding the building. For this example, we can see the survey was taken for a finished construction building with the vertical datum noted as NAVD-88. The key elevation needed for the Letter of Map Amendment is the Lowest Adjacent Grade (LAG, letter f). When this elevation is at or above the Base Flood Elevation, the property will most likely qualify for the Letter of Map Amendment.
Do I need an Elevation Certificate for Flood Insurance?
Under the new, Risk Rating 2.0 insurance methodology
, FEMA is not
directly requiring the use of Elevation Certificates. FEMA has developed a flood insurance rating engine that pulls in a variety of flood risk and elevation datasets to provide insurance quotes. Within these datasets, elevation information is extracted and used to develop the insurance quote. The insured may
provide an Elevation Certificate to override the FEMA developed elevation information if the Elevation Certificate results in a better rate for the insured. It is recommended to discuss the various options, including private flood insurance, with your insurance agent.
The price of a FEMA Elevation Certificate varies based on the location of your property of interest. Submit a request and we will contact you with the price and timeline to complete the job.