The Flood Elevation Certificate documents the elevation of building structures from their lowest floor, inclusive of the basement. At the very least, ECs are required for all new and substantially improved structures in high-risk areas. The purpose of the EC is to demonstrate the relationship of the various floor elevations, exterior ground elevations and equipment elevations of a building with the established Base Flood Elevation (BFE) for the 100 year storm as determined by FEMA. This is accomplished through the use of GPS receivers, FEMA Benchmarks and traditional surveying methods; supplemented with photographs of the site and all presented on a standard form provided by FEMA.
The Elevation Certificate prepared by a Professional Land Surveyor such as FRD Surveying, LLC, provides the necessary information.
The Flood Elevation Certificate has other uses as well. Since insurance premiums are based on risk, it may be advantageous to use the EC to request a change to the flood map. The Elevation Certificate would be used in support of an electronic Letter of Map Amendment (eLOMA) or a Letter of Map Change (LOMC).
Upon review of the EC, FEMA may determine that you are not in a flood zone. Subsequently, both the Elevation Certificate and the flood map changes should be submitted to your insurance carrier for a possible reduction in premiums.