Elevation Certificate Information

 

Elevation Certificate

As part of the agreement for making flood insurance available in a community, the NFIP requires the community to adopt floodplain management regulations that specify minimum requirements for reducing flood losses.  One such requirement is for the community to obtain the elevation of the lowest floor (including basement) of all new and substantially improved buildings, and maintain a record of such information.  The Elevation Certificate provides a way for a community to document compliance with the community’s floodplain management ordinance.

Cover photo for the document: National Flood Insurance Program Elevation Certificate and Instructions

A community’s permit file must have an official record that shows new buildings and substantial improvements in all identified Special Flood Hazard Areas (SFHAs) are properly elevated.  This elevation information is needed to show compliance with the floodplain management ordinance. 

FEMA encourages communities to use the Elevation Certificate developed by FEMA to fulfill this requirement since it also can be used by the property owner to obtain flood insurance.  Communities participating in the Community Rating System (CRS) are required to use the FEMA Online Elevation Certificate (FEMA 81-31).

Link to the Elevation Certificatefema_nfip_elevation-certificate-form-instructions_feb-2020.   The EC form is fillable and can be completed in either Adobe Acrobat Pro or Adobe Reader and saved.  Expiration Date: November 30, 2022

 


Elevation Certificates: Who needs them and why

If your home or business is in a high-risk area, your insurance agent will likely need an Elevation Certificate (EC) to determine your flood insurance premium.

Floods mean rising water.  Knowing your building’s elevation compared to the estimated height of floodwater helps determine your flood risk and the cost of your flood insurance.

An EC documents the elevation of your building for the floodplain managers enforcing local building ordinances and for insurance rating purposes.

Communities participating in the Community Rating System (CRS) are required to use the FEMA Elevation Certificate.

The NFIP Elevation Certificate is an administrative tool of the NFIP which is to be used to provide elevation information necessary to ensure compliance with community floodplain management ordinances, to determine the proper insurance premium rate, or support a request for a Letter of Map Amendment (LOMA) or a Letter of Map Amendment based on fill (LOMR-F).

 


How an EC is used in Kentucky

If your building is in a high-risk area—a zone indicated with the letter A  on a Flood Insurance Rate Map (FIRM)—the EC includes important information that is needed for determining a risk-based premium rate for a flood insurance policy.

For example, the EC shows the location of the building, Lowest Floor Elevation, building characteristics, and flood zone.

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.

  • Base flood elevations
  • Lowest flood elevation
  • Pre-FIRM and Post-FIRM buildings
  • How to calculate elevation differences
  • Building types and the EC’s ten building diagrams

 


CRS Elevation Certificates Checklist

 

 

 

 

 

 

 

 

KAMM mailing address: KAMM, PO Box 1016, Frankfort, KY 40602-1016.   Have questions, contact us at kentuckymitigation@gmail.com.