Flood Zone Elevation Certificate Flood Lowest Floor

Result in significantly higher flood insurance premiums.

Flood zone elevation certificate flood lowest floor.

To obtain the elevation of the lowest floor including basement of all new and substantially improved buildings and maintain a record of such information. Why is the lowest floor elevation important. In riverine and other inland areas experience has shown that if the lowest floors of buildings are not elevated above the flood level these buildings and their contents will be damaged or destroyed. The elevation certificate will take into account important factors like home location flood zone materials used in construction and lowest floor elevation.

For rating is the building s lowest floor including a basement if any. If a building described and rated as a single family dwelling located in an a zone any flood zone beginning with the letter a has an attached garage floor elevation at or above the base flood elevation bfe the garage floor may be excluded for rating. Your insurance agent will use the ec to compare your building s elevation to the base flood elevation bfe shown on the flood map being used for rating and determine the cost to cover your flood risk. And to discuss the nfip elevation certificate.

For example the ec shows the location of the building lowest floor elevation building characteristics and flood zone.