Who Needs an Elevation Certificate?
For properties or buildings in high-risk flood zones, an elevation certificate might be required if the flood insurance policy is written through a federally regulated insurance lender including the NFIP. This is due to the fact that in high-risk flood zones, there is at least a one in four chance a flood could occur during a 30-year mortgage. Private insurers, however, do not always require ECs – even in high-risk flood zones.
Flood Elevation Certificates are not typically required and are not used for flood zone rating in moderate- to low-risk areas (Zones B, C and X), undetermined risk areas (Zone D), or certain high-risk areas eligible for other subsidies (e.g., Zones AR and A99).
Georgia Flood Insurance can assist you in determining your flood zone and identifying possible lower rates based on recent flood map changes.
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