FEMA FLOOD ELEVATION CERTIFICATES AND LOMC FILINGS

UNDERSTANDING FEMA ELEVATION CERTIFICATES

The Federal Emergency Management Agency (FEMA) creates and maintains flood zone maps across the country. These maps are used, in part, to determine when flood insurance is necessary for a structure. An elevation certificate is the form used by FEMA to record the elevation of a structure as it relates to the elevation of the floodplain. Filing an elevation certificate and a Letter of Map Change (LOMC) with FEMA can relieve a structure from flood insurance requirements.

ELEVATION CERTIFICATES AND FLOOD INSURANCE


FEMA's flood insurance rate maps are broad and based on best available information. Structures shown within a flood zone on the maps are typically subject to flood insurance requirements. However, the maps may not always contain accurate elevations. What this means is that, just because a property is shown within a flood zone on the map, the actual elevations at a structure may not fall within the flood zone. An elevation certificate documents the precise elevations at a structure and can prove a building does not require costly and unnecessary flood insurance. OBTAINING AN ELEVATION CERTIFICATE Only a licensed professional land surveyor or professional engineer can certify an elevation certificate. The process involves performing a field survey of the structure in question and completing the FEMA form. The elevations recorded during this survey can then be used to determine if the building is within the flood zone or not. Once the elevation certificate is complete, the Letter of Map Change (LOMC) process can move forward.



elevation certificate
ELIMINATING FLOOD INSURANCE
FEMA's process for changing flood zone designations is through the submission of a LOMC. For a single family home constructed without the use of fill material, a Letter of Map Amendment (LOMA) form can be used for this process. Submitting an elevation certificate with a completed LOMA form could remove the flood insurance requirements from a property and potentially save the property owner thousands of dollars annually.
SPECIAL CASES

This process sounds straight forward because it is, but there are many complexities to FEMA's program.  New projects or older existing structures built on filled land require a special type of filing.  Consulting with a licensed professional before deciding to move forward is a critical first step.

CDCI FOR MY ELEVATION CERTIFICATE AND LOMC NEEDS
Civil Design Consultants, Inc. is licensed and trained to provide fast, reliable results to your elevation certificate and LOMC filing needs. Our expertise in civil engineering and land surveying allows us to provide quality advice and a timely response.

We look forward to assisting you in eliminating flood insurance.  Feel free to contact us by phone, email, or simply stop by our office.




certificate of elevation


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