Elevation Certificates

The Community Improvement Department maintains Elevation Certificates that are submitted to us. To submit an elevation certificate to the Community Improvement Department,

How an Elevation Certificate Is Used

If your building is in a high-risk area (a zone indicated with the letters A or V on a Flood Insurance Rate Map), the Elevation Certificate includes important information that is needed for determining a risk based premium rate for a flood insurance policy. Your insurance agent will use the Elevation Certificate to compare your building's elevation to the Base Flood Elevation shown on the map being used for rating and determine the cost to cover your flood risk. 

Who Needs an Elevation Certificate

For certain high-risk structures, an Elevation Certificate is required by an insurer as a condition for issuing flood coverage. There are exceptions. For example, if your building was constructed before your community's first Flood Insurance Rate Map became effective (known as pre-FIRM) and you are eligible for a subsidized rate, you do not need an Elevation Certificate to purchase coverage. However, subsidized rate for pre-FIRM buildings are being phased out through annual premium increases. Your full-risk rate is specific to the property, and an Elevation Certificate will be needed to calculate the property-specific full-risk rate. Depending on your elevation, the full-risk rate could already be lower than the subsidized rate. 

Elevation Certificate's are not required and are not used for rating in moderate to low-risk areas (zones X, B and C), undetermined risk areas (zone D), or certain high-risk areas eligible for other subsidies (e.g., zones AR and A99). If you need to document that your building is in one of these zones, you can simply provide a copy of the current Flood Insurance Rate Map that marks the building's location or obtain a letter signed and dated by a community official listing the building's address and flood zone. The property will remain eligible for the National Flood Insurance Program grandfather procedure if continuous coverage is maintained. 

When You Need a New Elevation Certificate 

If you make substantial changes to your building in a high-risk area - for example, you make an addition to your home - you likely need a new Elevation Certificate to reflect the new building characteristics and Lowest Floor Elevation. 

The following elevation certificates are on file with the Community Improvement Department.  To submit your elevation certificate, please contact the department at 727-343-4192. 

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Elevation Certificates76 documents

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