A flood elevation certificate is required when you build a new home. The certificate is submitted to your county when you obtain a building permit. It is also necessary in order to buy flood insurance. Here's a look at how to get a flood elevation certificate and the information it provides.
How To Obtain Your Flood Elevation Certificate
If a home already sits on the property, the previous owner may have a certificate they can pass on to you. However, if you're buying an old home to tear down so you can build a new one, the information could be old and outdated, and in that case, you might be required to file a new certificate with your county. If you're buying a vacant lot that's owned by a builder, the builder may supply you with a flood elevation certificate. Also, if you have a home or lot surveyed and inspected before you buy it, you can ask for a flood elevation certificate at the same time the land is surveyed.
If none of these solutions are possible, then you'll need to hire a professional to survey the lot yourself. The cost for this can vary quite a bit depending on the size and condition of the land. When the survey is done, you'll have a certificate to file with the county and a copy to provide to your insurance agent for flood coverage.
What Information A Flood Elevation Certificate Provides
The purpose of a flood elevation certificate is to determine how far above the flood plain your home is situated. The surveyor calculates the elevation of your home and compares it with the base flood elevation of the area. The base flood elevation is the level at which normal flooding is expected around your home. This information helps your county by providing it with urban flooding data.
It helps your insurance agent by giving him or her a way to determine the cost of your flood insurance policy. Flood insurance is provided through the government and the government also uses this data to create urban flood maps to determine the risk of flooding in your area. If your home is at a high elevation, then flooding risk is low and your insurance cost is lower. If your home is barely above the base flood elevation, then your insurance will be higher. Knowing this information before you build helps you too. By placing your home on piers and elevating it further, you might save on insurance costs and spare yourself from cleaning up a flooded home. You can click here for info on the survey you may need and other tips.Share
25 February 2018
I live in the middle of the desert, so I never thought that flooding would be a problem. However, a few months ago my town was hit with a huge storm. These freak storms are called "Hundred Year Storm" because the chances of them happening are once in a hundred years. Needless to say, no one was prepared for the aftermath--especially not the city sewage system. All this extra water had no where to go, and suddenly, I found my basement flooded. It wasn't a fun experience, but we dealt with it the best we could. Since then, I have spent a lot of time looking into different options for sewage, water lines, and other related things. We're now even looking into building a new house. This blog is the result of my ongoing research.