A flood elevation certificate is a signed document written by a surveyor, engineer or other professional that shows the data necessary for rating property for flood insurance. It helps to determine the location of a property in relation to the base flood elevation (BFE).
Homeowners who live in zones that are prone to floods may want to obtain this certificate. The Elevation Certificate is used to determine the insurance premium rate for buildings, and may also support the request of a Letter of Map Amendment (LOMA) if a property has been inadvertently shown to be in a flood-prone area. The elevation information must be submitted and confirmed on the Elevation Certificate before it is signed. This certificate can be used for both commercial and residential buildings.