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 If there have been map updates since the LOMA or LOMR-F was issued, it may have been superseded, incorporated into the new maps, or revalidated.