Elevation Certificates determine your existing height for Flood insurance purposes.
Base Flood Elevation (BFE) – Maps created by FEMA for Flood Plain management
Based on a 1% chance of a significant or 100 year storm
“A” zone = indicates an area with possible wave action less than 3 feet.
“A” zone construction = Top of the bottom floor must be at or above the BFE.
“V” zone = indicates an area with possible wave action of 3 feet or more.
“V” zone construction = Bottom of the lowest horizontal member must be at or above the BFE.
*** That does not include “Freeboard” ***
Freeboard = is a term indicating an added space between the BFE and the structure being measured.
Property owners who have reason to believe their flood zone designation is in error should work with their lender or FEMA to try and have their property and/or structure officially removed from the high-risk area. To remove a structure from a Special Flood Hazard Area (SFHA) if it is at or above the one-percent-annual-chance flood elevation, property owners can apply for a Letter of Map Amendment (LOMA). An application and step-by-step instructions can be found at www.fema.gov/plan/prevent/fhm/dl_mt-ez.shtm.
There is no fee for FEMA to review a request; however, the requester is responsible for any costs involved in collecting the supporting data necessary to submit an application.