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While Federal Emergency Management Agency flood maps are used to determine whether or not a property is in a FEMA-designated flood plain, it is often necessary to hire a surveyor or engineer to fill out the certificate. These certificates are required if a person is borrowing money for a home.
The certification provider determines the specific location of the home coordinates on a FEMA flood map, and certifies whether or not the home is in a flood zone. If the property is in a flood zone, a lender may still loan money on the property, but could require FEMA flood insurance.
Flood elevation certificates are also important if a home is ever part of
a Special Flood Hazard Area qualifying for government assistance. An elevation certificate completed by a certified professional will need to accompany any claims for assistance.
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The Federal Emergency Management Agency (FEMA) and National Flood Insurance Program require a flood elevation certificate for properties built in coastal high-.
How to Get a Flood Elevation Certificate; Comments You May Also Like. How to Dispute a Flood Zone.
FEMA: National Flood Insurance Program Elevation Certificate and Instructions; FEMA; Floodplain Management Bulletin -- Elevation Certificate; May 2004;