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 Elevation Certificate.
An Elevation Certificate secured by Land Design Pros, is the essential document needed to place accuracy with Flood Insurance. Land Design Pros is able to discover any incorrect classifications, split Flood Zones, A & AO Zones and Flood Insurance Rate Map (FIRM) inconsistencies, all of which drastically affect the premium that the structure owner will be required to pay annually for flood insurance.
An Elevation Certificate allows Land Design Pros to not only clarify and provide “peace of mind”, but it also allows for a better understanding of the level of risk associated with the subject structure.
Documentation of certification by a registered professional engineer or architect that the design and methods of construction of a nonresidential building are in accordance with accepted practices for meeting the flood-proofing requirements in the community’s floodplain management ordinance. This documentation is required for both floodplain management requirements and insurance rating purposes.
For insurance rating purposes, a building’s flood-proofed design elevation must be at least one foot above the Base Flood Elevation (BFE) to receive full rating credit for the flood-proofing. If the building is flood-proofed only to the BFE, the flood insurance rates will be considerably higher.
Communities are encouraged to use the one-page FEMA flood-proofing certification form because it fulfills National Flood Insurance Program (NFIP) insurance rating needs as well as floodplain management requirements.