Events & Training

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For Agents Who Sell Real-Estate in a Flood-Hazard Area

“Potential buyers want to know how to mitigate flood hazards on property within the flood plain.”

Frequently Asked Questions

How do I determine if the structure is in the SFHA?

Check the Flood Risk Information System Website: FRIS

Will an elevation certificate be required?

A Post-FIRM structure should have an elevation certificate completed at the time of construction. An EC is required for rating the flood insurance policy.

Do Pre-FIRM structures require an elevation certificate?

No, but it is strongly encouraged. Pre-FIRM subsidized rates are increasing up to 18% per year (25% in some cases), and an elevation certificate will help an owner decide when to convert to an actuarially-rated policy instead of a subsidized policy. Some owners may save money by converting to an actuarial policy now.

How do I know if the property has been removed from the SFHA?

Check with the owner or the FEMA Map Service Center to see if a LOMA or LOMR-F was issued for the property. The local floodplain administrator or planning office may know as well. If there have been map updates since the LOMA or LOMR-F was issued, it may have been superseded, incorporated into the new maps, or revalidated.
More Answers from the Quick Guide
Useful Resources and Common Acronyms
Why Communities Regulate the Floodplain
Overview: National Flood Insurance Program (NFIP)
Flood Map Information
North Carolina Floodplain Mapping Program
North Carolina Flood Risk Information System (FRIS)
Nature Doesn’t Read Flood Maps
Pre-FIRM and Post-FIRM Structures
Risk MAP Products
Building Sites Higher Than the BFE
Think Carefully Before You Seek a Floodplain Variance
Freeboard: Build Higher, Reduce Damage, Save on Insurance
Elevation Certificate and Its Purpose
Completing the Elevation Certificate
Documentation is Important – for You and Your Community
The Adverse Impacts of Floodplain Fill
Required “No-Impact” Certification
How to Elevate your Floodplain Building (Riverine)
Compaction of Floodplain Fill (A Zones)
Enclosures Below the BFE (A Zones)
Crawlspace Details (A Zones)
Basements Are Especially Flood Prone
Manufactured Homes Require Special Attention
Utility Service Outside Buildings
Utility Service Inside Enclosures
Accessory (Appurtenant) Structures
Improving Your Floodplain Building
Non-Substantial Improvements
Substantial Improvement: Renovation Only
Substantial Improvement: Lateral Addition Only
Substantial Improvement: Addition Plus Other Work
Post-Damage Considerations
Post-Flood Compliance Funding
Elevating Pre-FIRM Buildings
Easy and Low-Cost Protection Options for Older Homes
More Expansive Flood Mitigation Projects
Riverine Floodplains
Understanding the Floodway
Riverine: Flood Insurance Rate Map
Coastal Floodplains
Coastal Areas: Flood Insurance Rate Map
Coastal Area Management Act (CAMA) Permits
Typical Elevation Methods for Coastal Buildings
Wind and Water Requirements for Coastal Houses
Enclosures Below V Zone Buildings
State of North Carolina V Zone Certification
Flood Insurance: Property Owner’s Best Protection
Factors that Affect Flood Insurance Rates
Learning More About Floodplain Management
Learning More About Flood Insurance