10 · Direct answers
FEMA Elevation Certificate FAQ
Common questions from Utah homeowners, buyers, builders,
lenders, insurers and floodplain administrators.
How much does a FEMA Elevation Certificate cost in Utah?
Ludlow’s standard residential Elevation Certificates typically
run about $400–$700. Difficult access, rural travel, unusual
building conditions or expanded flood-zone work can increase
the fee to $700–$1,000 or more.
How long does an Elevation Certificate take?
Most standard Ludlow Elevation Certificate projects are
completed in approximately one to two weeks. Tell us about
closing, permit or insurance deadlines when requesting the quote.
Do I need an Elevation Certificate to buy flood insurance?
Not necessarily. FEMA states that an Elevation Certificate is
not required simply to purchase NFIP coverage under the current
Risk Rating methodology. Providing one is optional and its
measured information may affect the premium.
Can an Elevation Certificate lower my flood insurance premium?
Possibly. FEMA can consider the building and elevation information
when rating a policy. Whether it reduces the premium depends on
the specific building, flood risk and other rating factors.
What is the current FEMA Elevation Certificate form?
FEMA currently identifies the Elevation Certificate as
Form FF-206-FY-22-152, formerly numbered FEMA Form 086-0-33.
Does an Elevation Certificate expire?
FEMA states that a certified and completed Elevation Certificate
does not expire merely because the printed form has an expiration
date. Physical changes to the building can invalidate information
on the certificate and require updated documentation.
Who can certify the survey elevations?
FEMA’s surveyed-elevation sections are certified by a land
surveyor, engineer or architect authorized by applicable law.
Ludlow’s survey-based Utah elevation work is prepared through
its licensed professional surveying and engineering team.
What is a Base Flood Elevation?
The Base Flood Elevation is the elevation associated with the
flood having a 1% annual chance of being equaled or exceeded.
It is commonly referred to as the 100-year flood elevation.
What is a Special Flood Hazard Area?
A Special Flood Hazard Area is the land area covered by the
base flood on FEMA’s Flood Insurance Rate Map. These areas
include high-risk flood-zone designations such as many A and V zones.
Can an Elevation Certificate remove my property from a flood zone?
No. The certificate provides elevation information. FEMA must
issue an applicable Letter of Map Change, such as a LOMA or
LOMR-F, to officially amend the mapped determination.
What is a LOMA?
A Letter of Map Amendment is a FEMA determination that can
amend the flood-map status of qualifying land or a structure
that is naturally above the applicable base flood elevation.
Certified survey elevation information may be required.
If FEMA issues a LOMA, can my lender still require flood insurance?
Yes. FEMA states that a favorable LOMA or LOMR-F can remove
the federal mandatory-purchase requirement where applicable,
but an individual lending institution can still choose to
require flood insurance.
Do you provide Elevation Certificates for new construction?
Yes. New construction and substantial-improvement projects
in regulated floodplains often require elevation documentation
for local floodplain-management compliance. Confirm the required
construction stage with the local floodplain administrator.
What should I send for a quote?
Send the property address, parcel number if available, why the
certificate was requested, the requesting lender/insurer or
jurisdiction if applicable, and your deadline. Existing flood
documents or prior Elevation Certificates are also helpful.