Fema / Flood and Elevation Surveys

FEMA Flood Certificates & Field Surveys

The Flood Disaster Protection Act of 1973 requires flood insurance to be purchased for properties with structures located in Special Flood Hazard Areas.  This insurance must be obtained before the property owners can request to receive any type of direct or indirect federal financial assistance in the case of a flood event.  A FEMA Flood Elevation Certificate is a tool used to identify building elevations, nearby base flood elevations, and to determine if the building is located in a Special Flood Hazard Area.  This form will help determine the proper flood insurance premium rate for the building, or if no flood insurance is required.
The longer you own property in the floodplain, the greater your chance of being flooded and/or experiencing some type of water damage.  FEMA has not identified all areas that may be at risk of flooding.  Between 20% - 25% of flood insurance claims are for areas outside of the FEMA Special Flood Hazard Area and in some areas currently classified as low-risk areas.  Not all conditions, elevations, soil conditions, rain levels, run offs, etc., are 100% documented and prepared for.  In a 30-year mortgage, there could be up to 26% chance of a 100-year flood and/or rain damage and moisture damage.

We provide the following flood related services:
∙ LOMA (Letters of Map Amendments)
∙ LOMR-F (Letters of Map Revision based on Fill)
∙ Verify risk of flood by field survey
∙ Determine need for flood insurance
∙ Prepare FEMA Certificates to eliminate or reduce insurance premiums
∙ Grandfathering of structure due to age
∙ Reduction or elimination of insurance

A property owner may want to obtain an elevation certificate if their home or building is shown as being located in a special flood hazard area, and they are considering disputing it.   Contact us for a no cost consultation and more information.