FEMA Elevation Certificate Requirements

FEMA elevation certificate requirements are manifold and quite complicated. There are various zones in which the insurance scheme operates.

The whole purpose of a FEMA elevation certificate is to determine whether a particular building is in a high risk flood zone and whether it is eligible to receive grants and assistance from the government on this account.

There are many things to keep in mind in a FEMA elevation certificate application and some of these are mentioned below. However, it is a government certificate and must be obtained if there is a chance for you to get assistance by its norms.

Some Considerations to Keep in Mind While Applying for FEMA Elevation Certificate:

  • The first step in applying for a FEMA elevation certificate is to determine whether your house is at the low risk or moderate risk. By determining, you apply to the required elevation level scheme and ensure that the government takes cognizance of the risks which endanger you from floods.
  • For a preferred risk policy you will have to prove that you are at a lower level of risk. The reason for this is that the government offers lower premium and higher discounts on the preferred risk policy. By reading the stipulated norms and rules on the concerned webpage, you will be able to determine whether you are at a low risk and can apply for flood risk elevation schemes which are offered by the government.
  • You also have to determine whether your house or building was built before December 31st, 1974. If it was, then it is considered to be pre-FIRM. In other words, it is considered to be pre-Flood Insurance Rate Map. However you can opt for flood insurance at post-FIRM rates as well since this actually works out to be a lot cheaper. In order to do so you have to ensure that your house is inspected by the concerned authorities and therefore, you can determine whether you are eligible for flood insurance at cheaper rates or not.
  • If your home is in a high risk zone then it is mandatory to get a flood insurance check done. By doing so you shall become eligible for grants and allowances from the government which will ensure that the flood risk is mitigated. The government norms on what can be considered a high risk zone are manifold but generally, any area which has a one percent chance of being flooded per annum is considered to be a high risk zone and eligible for funding during floods.

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