Are you looking to obtain a flood elevation certificate for flood insurance for residential or commercial property in the US? A Flood Elevation Certificate is a document generated by an engineer, surveyor,  or qualified person that will provide data to help properly rate properties for flood insurance.  It can determine where precisely your home is located in relationship to the Base Flood Elevation. The Flood Disaster Protection Act of 1973 requires flood insurance to be purchased for properties in Special Flood Hazard Areas prior to the owners receiving any type of direct or indirect federal financial assistance.
Property deed- The original copy of your property deed is sent to the office of the County Clerk when you complete the purchase of your property, where it is recorded and filed to be part of the public records.
Property survey- When you first purchase your home, the mortgage company usually requires a map or plat showing the boundaries and dimensions of the property, and the location of the structures.
Elevation certificate- The elevation certificate is a standard form that is provided by a licensed surveyor or engineer. The Federal Emergency Management Agency (FEMA) produces Flood Hazard Maps that delineate an area called a Special Flood Hazard Area (SFHA). The Federal Emergency Management Agency (FEMA) prepares flood hazard mapping for large areas based on general guidelines that do not always include detailed, up-to-date, or accurate topographic mapping. Any property owner can purchase flood insurance, regardless of whether or not the property is mapped in a flood zone. Spring is the best time for thrill-seekers to enjoy whitewater rafting down Adirondack rivers! Check out our Wildlife Guide for more information on the animals that call the Adirondacks "home"! Great hike, only half mile away from Algonquin's peak so if you're doing all 46 you better get it done now to save yourself a long back track hike.

You should receive an official copy of the property deed a few weeks after it is recorded in the County Clerk’s office. This map is your property survey, and it is also likely to be found within the closing documents from the purchase of your home. It is possible that you will have it within the closing documents from the purchase of your home. The SFHA is defined as the area that will be inundated by a flood event having a 1-percent chance of being equaled or exceeded in any given year. The mapping limitations exclude areas of higher ground, and do not evaluate individual properties or structures. But once your property is removed from the flood zone and the mandatory purchase requirement, the flood insurance is significantly cheaper.
The Property Deed is an important document, and many people file it in a safe place with the other closing documents from the purchase of their home. If you can’t find it, you can try contacting your local building department and ask them to review their files to see if they have any surveys, maps or plats showing your property. If you can’t find it, it is another document that might be available from your local building department.
The National Flood Insurance Program requires a flood zone determination for every property purchase, and these determinations are conducted quickly and cheaply… and inaccurately.
In such a case you can purchase a “preferred risk policy” which provides the same level of coverage for as little as $200 per year.
If you do not have your Property Deed, you can go to the County Clerk’s office and request a certified copy for a small fee.

In some cases we can use a tax map, which can be obtained by contacting the local tax assessor. This document is required to assess your flood risk and correctly set your flood insurance premiums, so the best source is probably the insurance agent that provides your flood insurance. The lands within the boundaries of the delineated SFHA are considered to be in the flood zone. If you borrowed money from a bank to purchase your property, and any part of your property is near a FEMA mapped flood zone, the purchase of flood insurance is mandatory.
The purchase of flood insurance is a mandatory condition for providing a mortgage for the purchase of properties located within the boundaries of a SFHA.
So it is possible that a small portion of your property is in the flood zone, while the structure is not.
You can hire a local surveyor, or we can assist you in obtaining the elevation certificate for an additional fee.
In some cases, we can complete the preliminary evaluation without the elevation certificate, but the elevation certificate MUST be provided in order for us to complete the appeal process and obtain an official revision of your flood zone determination.

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