For homes in flood plains, flood insurance is a sensible way to protect one’s belongings. However, insurers may not insure your home without the proper documentation, such as a flood elevation certificate. This document, which is provided by FEMA, compares your home’s elevation against the flood risk in your area. If you’re interested in obtaining this certification, learn more about this process so you know what to expect.

What Are Flood Elevation Certificates?

To provide accurate quotes, insurers use maps that detail the Base Flood Elevation (BFE) in various zones. Once a land surveyor has calculated the elevation of your home, the insurer will compare that number to the BFE of the zone you live in. The closer your home’s elevation is to the BFE, the more it will cost to obtain an insurance policy.

Of course, not every home will require a flood elevation certificate. You can access your home’s Flood Insurance Rate Map (FIRM) online. If you live in a zone that starts with B, C, or X, you probably won’t need a certificate. Keep in mind that this document isn’t just for insurance — you may need it to get a home loan, add a home addition, or construct an outbuilding.

How Can You Obtain One?

If you do need a certificate, you’ll have to work with a land surveyor. They’ll take measurements on your property and compare it to the data that FEMA keeps on file. Once they’ve recorded the relevant data, they’ll submit a copy to you, the bank or insurers, and FEMA. You’ll keep a copy on file, knowing that you’re ready to apply for future home improvement loans and insurance quotes.

Get an accurate, quick assessment for your flood elevation certificate from Ferguson & Foss Professional Land Surveyors PC. Based in Johnstown, NY, they survey properties in Fulton, Montgomery, Hamilton, Saratoga, and Herkimer counties. Call (518) 762-9997 to get a quote on your project or visit their website for a deeper look at their services.