Your insurance agent may ask you for an elevation certificate.
This certificate verifies the elevation of the lowest floor of your house relative to the ground. It is especially important if your house/building is in a high-risk flood area.An elevation certificate is only required if your building was built, or substantially improved, on or after the date of the community’s initial Flood Insurance Rate Map (FIRM). These buildings are considered to be Post-FIRM. Be sure to ask your agent if your house/building is a Pre-FIRM or Post-FIRM building before purchasing your elevation certificate. It’s also beneficial to ask if your community participates in the Community Rating System (CRS) because that means local officials may already have a copy of your elevation certificate on file. See the CRS questions below.
Property owners always reserve the right to purchase an elevation certificate, which may potentially reduce their flood insurance premium. Please contact a licensed insurance agent for further information.