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Elevation certificate

Elevation certificates

A FEMA form completed by a licensed surveyor that establishes how your building sits relative to the base flood elevation. It is usually about insurance money.

A surveyor sighting through an automatic level on a tripod toward a colleague holding a levelling rod on new curb work at a graded site
An elevation certificate is a levelling job. The number that decides your premium is the lowest floor against the base flood elevation.

When you need one

  • Your flood insurance premium is high and you want it rated on actual elevation rather than a default assumption
  • You are building in or near a mapped special flood hazard area
  • You believe you are mapped incorrectly and want to apply for removal
  • Your lender requires flood insurance and you think the requirement is wrong
  • You are selling a property in or near a mapped zone

What the surveyor measures

  • Lowest floor elevation, including basement if there is one
  • Lowest adjacent grade next to the structure
  • Highest adjacent grade
  • Elevation of machinery and equipment servicing the building
  • Building characteristics, foundation type, flood openings
  • The mapped flood zone and base flood elevation from the current FIRM

All of it tied to a published vertical datum, not an assumed benchmark.

Letter of Map Amendment

This is the part worth knowing about, because it is where the real money sometimes is.

Flood maps are drawn at a scale that cannot see individual lots. A property sitting on higher ground inside a broadly mapped zone can be included simply because the mapping was not fine enough to exclude it.

If a survey demonstrates the structure sits above the base flood elevation, you can apply to FEMA for a Letter of Map Amendment. A successful LOMA removes the mandatory insurance requirement, and on a property carrying a large premium the survey pays for itself quickly.

Worth checking before you assume. If you are paying meaningful flood premiums and your house sits noticeably higher than the surrounding ground, an elevation certificate is a cheap test of whether you should be paying at all.

Maps change

FEMA revises flood mapping periodically. A property outside a zone ten years ago may be inside one now, and the reverse happens too. An elevation certificate reflects the map in effect when it was prepared, so an old certificate may no longer describe your situation.

Paying too much for flood insurance?

Send the address and your current premium. An elevation certificate is often the cheapest way to find out whether it is justified.

Request a quote

Springfield Land Surveyor is a referral service. We are not a surveying firm, we hold no Missouri land surveying license or corporate certificate of authority, and we do not perform survey work. We connect property owners with Missouri-licensed Professional Land Surveyors.
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