Flood Evaluation Certificates

What is a flood elevation certificate?

A flood elevation certificate is a standard form developed by FEMA and the National Flood Insurance Program (NFIP). The purpose of this form is to standardize and determine insurance rates in a flood zone.

What does the certificate do?

A flood certificate determines what flood zone applies to your home or business. A surveyor will determine the exact elevation of your lowest finished floor and/or basement and garage (if applicable). Using fema’s base flood elevation for your area, insurance companies can determine the risk of the dwelling. This can be essential for determining the cost of flood insurance from insurance brokers.

Did you know?

Many existing homes are in flood zones and are not covered by their basic home or business insurance policies. Most insurance policies do not cover flooding from storms. Flood damage must be covered under a separate policy even if you live outside of a flood zone. A surveyor of the state of new jersey is the only professional that can determine a flood elevation in our state.

What does a flood certificate look like?

Click here to view samples on the FEMA website »

What can I do?

  • Take a preventative measure to find out if you are in flood zone
  • Use this web site to determine your risk: Click Here »
    Enter your address in the fields in the red box at the bottom right. This website will also estimate your premiums.
  • Use this web site to determine what flood zone are you in: Click Here

 

If your home or business is located in a flood zone call 732-548-8782 and schedule a flood elevation certificate today!