FEMA Elevation Certificates · Utah · Since 1975

FEMA Elevation Certificate in Utah. Surveyed and Signed by a Licensed Surveyor.

Elevation certificates for flood insurance, lenders, building permits and LOMA requests, on the current FEMA form, with the elevations surveyed by our crew and certified by a Utah PLS. From $400 for most homes, usually within one to two weeks.

Certified by Daryl Penrod, PLS · Utah No. 533152718 elevation certificates in 5 Utah counties

Order an Elevation Certificate → Call (435) 623-0897

FEMA Elevation CertificateFEMA Form FF-206-FY-22-152 · prepared by Ludlow Engineering

Section A–B · Property & flood map

Address: [property address] · Diagram: [1A–9]
FIRM panel: [panel & date] · Zone: [zone] · BFE: [elevation]

Section C · Surveyed elevations

Top of bottom floor & next higher floor
Garage slab & lowest machinery
Lowest & highest adjacent grade
Benchmark & vertical datum (NAVD 88)

Daryl Penrod, PLSSection D certification
Utah No. 5331527

PLS SEAL
& SIGNATURE

Sample summary for illustration. Your certificate is FEMA’s official form, completed for your building.

$400+Most single-family homes

1–2 wksTypical turnaround

18Certificates in our records

PLSSigned by a Utah land surveyor

The short answer

What an Elevation Certificate Is.

A FEMA Elevation Certificate is the official form that records how high a building sits compared with the flood elevation on the community’s flood map. A licensed surveyor measures the floors, garage, machinery and ground around the building, and certifies them on the form.

Insurance agents use it to rate flood policies, lenders and building departments ask for it in flood zones, and it’s the survey behind most requests to take a building out of a flood zone (a LOMA).

FormFEMA Form FF-206-FY-22-152 (formerly 086-0-33)
Who signsLicensed surveyor, engineer or architect
Cost$400–$700 for most homes
Look up your zoneFEMA Flood Map Service Center

01 · When

Do You Need an Elevation Certificate?

Usually because someone asked for one. These are the most common reasons.

Your lender requires flood insurance

When a mortgaged building is in a high-risk flood zone, the lender requires flood insurance, and a certificate can help rate it.

Your insurance agent asked

Agents may use the surveyed elevations to rate an NFIP or private flood policy.

Building in a flood zone

Communities require elevation documentation for new and substantially improved buildings in Special Flood Hazard Areas.

Getting out of the flood zone

If your building or lot is above the BFE, our survey supports a LOMA or LOMR-F request to FEMA.

Buying or selling

A current certificate answers flood-insurance questions before closing.

Additions and remodels

Substantial improvements in a flood zone can trigger new elevation requirements.

02 · Sample deliverable

What’s on a Ludlow Elevation Certificate

The certificate is FEMA’s official form. The sections in gold are the ones our survey and our surveyor’s signature provide.

Property information

Owner, address, legal description, building use, and the building diagram number that matches your foundation type.

Flood map information

Community, FIRM panel and date, flood zone, and the Base Flood Elevation from the map or study.

Building elevations (survey required)

Our crew measures the top of the bottom floor, next higher floor, garage slab, lowest machinery and the lowest and highest adjacent grade, tied to a benchmark.

Surveyor certification

Signed and sealed by Daryl Penrod, PLS, Utah No. 5331527, with comments explaining anything unusual on the site.

E–H

Other sections

Owner and community sections, and measurements used in zones without a BFE or for insurance rating. Completed when they apply.

Photographs

Required photos of the building’s front, rear and sides, plus vents and machinery when they affect the rating.

03 · LOMA

Elevation Certificate vs. LOMA

Related, but not the same thing.

	Elevation Certificate	LOMA / LOMR-F
What it is	A surveyed record of the building’s elevations	FEMA’s official letter changing the flood-zone determination for a lot or building
Who issues it	Licensed surveyor, engineer or architect	FEMA
Used for	Insurance rating, permits, lender questions	Removing the federal flood-insurance requirement for that lot or building
When it fits	Any building in or near a flood zone	Natural ground (LOMA) or fill (LOMR-F) at or above the BFE
Insurance afterward	Policy is still rated	A lender may still require coverage

04 · Process

How an Elevation Certificate Gets Done

Four steps, usually within one to two weeks.

01 / CHECK

Map check

We confirm the flood zone, panel and BFE for your address before you pay for a survey.

02 / SURVEY

Field elevations

Our crew ties to a benchmark and measures the floors, garage, machinery and adjacent grade, and photographs the building.

03 / FORM

Complete & certify

The FEMA form is completed and signed by our PLS.

04 / DELIVER

Deliver & advise

PDF to you, your agent or lender, and our notes if the numbers support a LOMA.

05 · Cost

Elevation Certificate Cost in Utah (2026)

Fixed fees quoted up front, with travel shown separately.

Building	Typical cost	Typical time
Single-family home	$400–$700	1–2 weeks
Complex residential (multiple structures, crawlspaces, additions)	$700–$1,000+	1–2 weeks
New construction (during and after)	Quoted	Scheduled to construction
Commercial buildings	Quoted	By scope
LOMA / LOMR-F survey support	Quoted	By scope

Building new? We can also stake the foundation and certify its elevation and prepare a topographic survey for the site plan.

06 · From our files

Where Flood Zones Turn Up in Central Utah

Our records hold 18 elevation certificates since 2000, most of them in Sanpete County, from Ephraim, Fairview, Mount Pleasant and Spring City to Nephi, Eureka, Payson, Spanish Fork and Price.

Lesson 01

Sanpete Valley creeks and canals.

Ephraim, Fairview and Spring City sit on alluvial fans crossed by creeks and irrigation canals, and that’s where most of our certificates have been. Map the building before you buy or build.

Lesson 02

Subdivisions often need one too.

In 2026 a one-lot subdivision in Fairview needed a flood certificate alongside the plat. Ask early when land near a mapped flood zone is being divided.

Lesson 03

Utah Lake and river bottoms.

Low ground near Utah Lake and along rivers in Utah County, like Spanish Fork and Springville, can be mapped as Special Flood Hazard Area.

Lesson 04

Check the map before the survey.

Flood maps change. We confirm the current panel and zone for your address first, so you don’t pay for a certificate you don’t need.

By county: Sanpete (9), Utah (3), Juab (2), Carbon (2), Salt Lake (1).

07 · Direct answers

Elevation Certificate Questions, Answered.

How much does a FEMA Elevation Certificate cost in Utah?

Most single-family homes run $400 to $700. Complex residential sites run $700 to $1,000 or more, and commercial buildings and LOMA support are quoted by scope. Travel is shown as its own line.

How long does an Elevation Certificate take?

Usually one to two weeks for a standard home, depending on scheduling and weather.

Do I need an Elevation Certificate to buy flood insurance?

Not always. Under the NFIP's current rating approach a certificate is optional for many policies, but it can be used in rating, and lenders, insurers and building departments often still ask for one.

Can an Elevation Certificate lower my flood insurance premium?

It can, when it shows the building sits higher than the agent would otherwise assume. Ask your insurance agent how a certificate would be used for your policy.

What form do you use?

The current FEMA Elevation Certificate, FEMA Form FF-206-FY-22-152, which replaced FEMA Form 086-0-33. We use whichever edition FEMA currently requires.

Who can sign an Elevation Certificate?

Elevations in Section C must be certified by a licensed land surveyor, engineer or architect. Ours are signed by Daryl Penrod, PLS, Utah No. 5331527.

What is a Base Flood Elevation?

The elevation floodwater is expected to reach in a flood with a 1% chance of happening in any year, shown on the community's Flood Insurance Rate Map or flood study.

Can an Elevation Certificate remove my property from a flood zone?

Not by itself. If the ground or building is above the BFE, the survey can support a Letter of Map Amendment (LOMA) or, for fill, a LOMR-F. FEMA makes that determination, and a lender can still require insurance afterward.

Do you do certificates for new construction?

Yes. Many communities want elevations during construction and again when the building is finished. We can also stake the house and set the floor elevation before you pour.

What should I send for a quote?

The address or parcel number, whether the building is existing or under construction, and why the certificate is needed (lender, insurer or building permit). A copy of any older certificate helps.

FEMA Flood Map Service CenterLook up the official flood map for your address.
FloodSmart (NFIP)How flood insurance works and how certificates are used.
FEMA: change your flood zoneLOMA and LOMR-F requests and forms.

Licensed Utah surveying · Since 1975

Send the Address Before You Order.

We’ll check the flood map for your property first and tell you whether you need a certificate, then send a fixed fee.

Order an Elevation Certificate →Call (435) 623-0897

FEMA Elevation Certificate in Utah