In order to get flood insurance coverage for properties deemed high-risk, owners are generally required to provide an elevation certificate from a recognized land surveying professional. Flood Elevation Certificates Help People In High-Risk Floodwater Areas Those details are important to an insurance carrier when providing a full, fair home or business insurance rate. The higher your home or commercial property is above the base flood evaluation of the zone, the lower your insurance premiums.Ī comprehensive evaluation provides information that includes the lowest floor elevation, nature of the flood zone and unique characteristics of your structure. A risk is generally considered by whether your building is above or below the base. Base flood evaluations are those that incur a 1-percent possibility of being impacted by floodwaters. Insurance agents generally rely on elevation certificates to evaluate the precise height of your property against a base flood evaluation in an effort to accurately determine a structure’s flood risk and coverage. Most counties require homebuyers to obtain a FEMA Flood Elevation Certificate before they can buy a home. However, a thorough elevation assessment and certificate can highlight a variety of characteristics that may improve your position. Being assigned an A or V generally leads to higher insurance premiums because of the enhanced risk of flooding. If your home or commercial building appears on a Flood Insurance Rate Map (FIRM) in an area designated by the letter A or V, in all likelihood it sits in a high-risk zone. Why Flood Elevation Certificates Are Important To Property Owners These measures are considered key data in determining risk for floodplain managers working to implement Houston-area building regulations and for insurance carriers to provide accurate costs to property owners. Knowing the precise elevation of your property allows you to measure it against the potential maximum known height of rising floodwaters. Although such tools are helpful, they cannot necessarily accurately measure a home or commercial property’s elevation accurately. Updated Harris County and regional flood maps highlight areas that are now deemed at greater risk when waterways and bayous exceed their banks and cause flooding. If they had a recent flood elevation certificate to show they were not supposed to be in a flood zone, perhaps insurance companies or legal liability might have changed. Many of the homeowners whose homes flooded during Harvey were not in a flood zone, or their home was not in a flood zone when they bought it and nobody notified them they were now in a flood zone. The devastation caused by Hurricane Harvey has prompted many mortgage companies and insurers to require property owners to acquire FEMA flood elevation certificates that help define risk and appropriate insurance coverage. CALL (713)-864-2400 TO REQUEST A FLOOD ELEVATION CERTIFICATE MEASUREMENT We also provide flood elevation certificates to residents in the Rio Grande Valley including Mission, Laredo, Corpus Christi, Port Aransas, and Brownsville. We provide surveying services like measuring elevation for flood elevation certs across the greater Houston area, including The Woodlands, Katy, Fulshear, SugarLand, Clear Lake, Cypress, Tomball, and Hockley. Our professional, licensed surveyors are ready to help. Looking for a local Houston survey company to measure your current home elevation and issue a flood elevation certificate? A flood elevation certificate helps identify whether your property is now in a 100 year flood zone, or maybe even a 500 year flood zone. Flood Elevation Certificate from Prime TX Surveys Houston TX
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