FEMA Flood Evaluation Certificate
Flood insurance requirements can be intimidating. We’ll help you keep your head above water.
Find the High-Water Mark
Following damages inflicted both nationally and in New York State by Hurricanes Katrina and Sandy, the Federal Emergency Management Agency (FEMA) was prompted to make substantial changes to its flood maps. As a result of the new mapping, many properties that were not previously in the flood zone are now required to obtain flood insurance from the National Flood Insurance Program (NFIP). This insurance can cost hundreds to thousands of dollars depending on the location of the property, creating an unwanted burden for the homeowner.
Elevation Certificates are prepared by licensed land surveyors to determine the exact location of the flood zone relative to your structures. If you find yourself requiring flood insurance, you have the option of ordering an elevation certificate to determine the likelihood of flooding on your property.
MNTM stays up-to-date with the latest FEMA certification requirements.
FEMA maps are based upon generic topography and not actual field topography. The difference between flood insurance on a home costing a couple hundred dollars and several thousands per year can be inches. A one-time elevation certificate may be enough to save you thousands of dollars per year.
Our expertise allows MNTM the distinction of being a certified eLOMA (electronic Letter of Map Amendment) preparer. As a certified eLOMA preparer, we are able to receive an instant determination from FEMA (within 24 hours of submission). Traditional Letter of Map Amendments (LOMA) requests can take up to 30 days to receive a determination from FEMA.