Who Needs an Elevation Certificate?
For certain buildings in a high-risk zone, an elevation certificate may be required if the flood insurance policy is written through a federally regulated insurance lender such as the NFIP. This is because in high-risk areas, there is at least a one in four chance of flooding during a 30-year mortgage. However, private insurers do not typically require ECs – no matter the flood zone.
ECs are not generally required or 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).
Need help determining your flood zone and identifying possible lower rates based on recent map changes? If so, Alabama Flood Insurance can easily assist you.