National Flood Insurance Program. FEMA All rights reserved

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1 National Flood Insurance Program 3

2 Training Agenda for EC made EZ Section 1- OVERVIEW of the Elevation Certificate Section 2- Key COMPONENTS of an Elevation Certificate Section 3- BUILDING DIAGRAMS relative to Elevation Certificates and Case Studies Section 4- RESOURCES regarding Elevation Certificates 5

3 Section 1 OVERVIEW of the Elevation Certificate 7

4 Section 1: Overview of the Elevation Certificate Module Objectives After completing this module, participants will be able to: Explain the purpose of the Elevation Certificate Describe when an Elevation Certificate is mandatory, optional, or not necessary. Understand that use of the Elevation Certificate does not provide a waiver of the mandatory purchase requirement. Know that the Elevation Certificate is used only to certify building elevations. 8

5 Section 1: Getting Started with an Elevation Certificate Questions to Ponder? 1. Is an Elevation Certificate always required in order to write flood insurance? 2. Does an Elevation Certificate remove a structure from the Special Flood Hazard Area (Zones: A and V)? 3. Where does the property owner obtain an Elevation Certificate that has already been completed?

6 Section 1: Overview of the Elevation Certificate EC Sections Purpose 10

7 Section 1: Overview of the Elevation Certificate EC Sections Purpose of the Elevation Certificate 11

8 Section 1: Overview of the Elevation Certificate EC Sections Purpose of the Elevation Certificate 12

9 Section 1: Overview of the Elevation Certificate EC Sections Purpose of the Elevation Certificate 13

10 Section 1: Overview of the Elevation Certificate EC Sections Purpose of the Elevation Certificate 14

11 Section 1: Overview of the Elevation Certificate EC Sections Purpose of the Elevation Certificate 15

12 Section 1: Overview of the Elevation Certificate Here s five places to locate EC s: 1. Local floodplain manager 2. Seller 3. Developer 4. Local land surveyors, professional engineers, or certified architects 5. Property Deed If the EC can t be located in 1-5, then a new Elevation Certificate will need to be purchased typically at the property owner s expense. 16

13 Section 1: Overview of the Elevation Certificate Finding a Professional A surveyor, engineer, or architect must certify the building elevation. You can find a qualified professional through: Word-of-mouth State professional association for land surveyors or professional engineers* State NFIP coordinator Local community s building permit office Yellow Pages under Surveyors or Engineers Internet

14 Section 1: Overview of the Elevation Certificate Base Flood Elevation Base flood is a flood that has a 1% chance of being equaled or exceeded. BFE is the expected height of that 1% chance of flood. Expected surface of base flood 18

15 Section 1: Overview of the Elevation Certificate Lowest Floor Elevation Lowest Floor Elevation Base Floor Elevation = + (above BFE) / - (below BFE) 19

16 Section 1: Overview of the Elevation Certificate Why an Elevation Certificate? To correctly rate a flood insurance policy, you must identify the lowest floor of a building The EC documents several elevation levels For example, level of bottom floor and lowest adjacent grade After review of the building elevation and diagrams, you will determine which elevation in Section C2 is appropriate to use as the lowest floor for rating 20

17 Two rate structures: Pre-FIRM versus Post-FIRM Pre-FIRM Old Standards Built before initial FIRM or On or before 12/31/1974 EC Optional Post-FIRM New Standards or In Compliance On or After the initial FIRM or After 12/31/1974 whichever is LATER EC required for most A & V Zones 21

18 Community Status List 22

19 Section 1: The National Flood Insurance Program CSB Shows All Participating Communities 23

20 Section 1: Overview of the Elevation Certificate Use of Elevation Certificates Certain conditions related to the use of ECs are: 1. Pre-FIRM Construction in A or V zones Elevation certificates are optional 2. Non-SFHA zones in B, C, and X zones No elevation certificates 3. Post-FIRM Construction in A or V zones Elevation certificates are required in most cases 24

21 Section 1: Overview of the Elevation Certificate Poll Question 2 When are Elevation Certificates required? a. Only in low to moderate risk flood zones of B, C, or X b. In most Pre-FIRM A or V zones c. In most Post-FIRM A or V zones d. All the time 25

22 Section 2 KEY COMPONENTS of Elevation Certificates 26

23 Section 2: Key Components of Elevation Certificates Module Objectives After completing this module, participants will be able to: Explain Sections A-F of the Elevation Certificate. Understand what elevations are needed to calculate a structure s flood insurance premium. 27

24 Section 2: KEY COMPONENTS of an Elevation Certificate Questions to Ponder 1. Where are flood vents and the size of an enclosure captured in an elevation certificate? 2. In the elevation certificate, where do you find the elevation of the top of the bottom floor? 3. Do we REALLY need pictures of the structure with an elevation certificate within 90 days of the insurance application?

25 Section 2: KEY COMPONENTS of an Elevation Certificate EC Important Dates The current Elevation Certificate form became mandatory effective April 1,

26 Section 2: KEY COMPONENTS of an Elevation Certificate EC Section A Section A 30

27 Section 2: KEY COMPONENTS of an Elevation Certificate Photographs Inclusion of photos with ALL versions of the EC will be required on all new elevation rated business applications effective on or after 01/01/2007: 1. Minimum 2 photographs and more is better 2. 3 x 3 in color 3. Include date taken (must be within 90 days of the application mail date) 4. Digital format is acceptable 31

28 Section 2: KEY COMPONENTS of an Elevation Certificate EC Section A Section A 32

29 Section 2: KEY COMPONENTS of an Elevation Certificate EC Section B Section B Information about CBRS areas and OPAs 33

30 Section 2: KEY COMPONENTS of an Elevation Certificate Flood Insurance Rate Map (FIRM) shows the Zone: The flood zone A or V affects which elevation you use for rating The NFIP defines a Special Flood Hazard Area (SFHA) as: Areas at high risk of flooding 1% or greater chance of flooding in any given year Begins with the letters A or V Darkly shaded areas of the FIRM Elevating a building does not change a flood zone 34

31 Section 2: KEY COMPONENTS of an Elevation Certificate V Zones V = Velocity wave action V zones represent coastal areas subject to high velocity water such as wind-driven waves from storms or tidal surges. V zone properties have greater exposure to flood losses 35

32 Section 2: KEY COMPONENTS of an Elevation Certificate EC Section C Section C 36

33 Section 2: KEY COMPONENTS of an Elevation Certificate How to calculate: C2.a LFE = 12 - B9 BFE =

34 Section 2: KEY COMPONENTS of an Elevation Certificate EC Sections D, E, and F Section D Section E,F 38

35 Section 2: KEY COMPONENTS of an Elevation Certificate Poll Question 3: What do you think? Refer to the image below. What is needed to determine if the structure is above or below the expected BFE level. a. Difference of the ground and the watermark b. Difference of the BFE and lowest floor elevation c. Difference of the BFE and the lowest adjacent grade 39

36 Section 3 BUILDING DIAGRAMS and Elevation Certificates 40

37 Section 3: Building Diagrams and Elevation Certificates Module Objectives After completing this module, participants will be able to: Explain the different building types. Understand how to obtain the Lowest Floor Elevation and Base Flood Elevation. Know which Building Diagram to use based upon the building type. 41

38 Section 3: BUILDING DIAGRAMS and Elevation Certificates Questions to Ponder 1. How do the BUILDING DIAGRAMS tie in to the Elevation Certificates? 2. What s an elevated building? 3. Are Enclosures permitted in A Zones? 4. How are Vents used in elevated buildings? 5. Are Breakaway walls allowed in V Zones?

39 Section 3: BUILDING DIAGRAMS and Elevation Certificates Three Basic Building Types: Slab on grade Basement Elevated 43

40 Section 3: BUILDING DIAGRAMS and Elevation Certificates Ask the question: What is going to get flooded? 44

41 Section 3: BUILDING DIAGRAMS and Elevation Certificates Building Diagrams

42 Section 3: BUILDING DIAGRAMS and Elevation Certificates A Basic Building Diagram This particular building diagram: Is one of the ten total diagrams Displays numbers in circles corresponding to entries on the Elevation Certificate 46

43 Section 3: BUILDING DIAGRAMS and Elevation Certificates Diagram 1A EC Section C2.a, b, f, g (for flood insurance rating purposes) All slab-on grade singleand multiple- floor buildings (other than splitlevel) and high rise buildings, either detached or row type (e.g., townhouse); with or without attached garage. 47

44 Section 3: BUILDING DIAGRAMS and Elevation Certificates Diagrams

45 Section 3: Building Diagrams and Elevation Certificates Attached Garages Non-elevated buildings A zones Single Family Dwellings If attached garage is at or above BFE, it can be excluded for rating purposes If it is below BFE, it must meet the following criteria: The building it is attached to is described and rated as a single family dwelling Building is located in Zone A The garage floor is below the top of the bottom floor, and The garage has openings (with or without machinery and equipment that is below BFE) Other than Single Family Dwelling: If building has an attached garage and the floor level of the garage is below the level of the building, use the garage floor as the lowest floor for rating. 49

46 Section 3: BUILDING DIAGRAMS and Elevation Certificates Diagram 1B EC Section C2.a, b, f, g (for flood insurance rating purposes) All raised slab-on-grade or slab-on-stem-wall-with-fill single-and multiple-floor buildings (other than splitlevel), either detached or row type (e.g., townhouses); with or without attached garage. 50

47 Section 3: BUILDING DIAGRAMS and Elevation Certificates Diagram 1B: Building on Stem Wall House built on stem wall 51

48 Section 3: BUILDING DIAGRAMS and Elevation Certificates Diagram 2 EC Section C2.a, b, f, g (for flood insurance rating purposes) All single-and multiple-floor buildings with basement (other than split-level), and high rise buildings basement, either detached or row type (e.g., townhouses); with or without attached garage. 52

49 Section 3: BUILDING DIAGRAMS and Elevation Certificates Diagram 2: Building with two floors and a basement w/o attached garage 53

50 Section 3: BUILDING DIAGRAMS and Elevation Certificates Diagram 3: EC Section C2.a, b, f, g (for flood insurance rating purposes) All split-level buildings that are slab-on-grade, either detached or row type (e.g. townhouses); with or without attached garage. 54

51 Section 3: BUILDING DIAGRAMS and Elevation Certificates Diagram 3: Slab-on-grade, split-level building w/o attached garage 55

52 Section 3: BUILDING DIAGRAMS and Elevation Certificates Case Study 1 Will Flood called needing insurance this afternoon. Then Will brings in an EC indicating the flood zone is AE. What is the lowest floor used for rating? a. C2.a b. C2.b c. C2.c 56

53 Section 3: BUILDING DIAGRAMS and Elevation Certificates Diagram 4 C2.a, b, f, g (for flood insurance rating purposes) All split-level buildings (other than slab-on-grade), either detached or row type (e.g., townhouses); with or without attached garage. 57

54 Section 3: BUILDING DIAGRAMS and Elevation Certificates Diagram 4 Split-level building with basement and w/o attached garage 58

55 Section 3: BUILDING DIAGRAMS and Elevation Certificates Poll Question 4 When working with Building Diagram 3 where will the Lowest Floor Elevation usually be located? a. C2.a The top of the bottom floor including a basement, crawlspace, or enclosure floor. b. C2.b Top of the next higher floor. c. C2.c Bottom of the lowest horizontal member (V Zones only) 59

56 Section 3: BUILDING DIAGRAMS and Elevation Certificates Building Diagrams: 5 8: Elevated Buildings An Elevated building: Without a basement Has lowest elevated floor raised above ground level Is elevated via foundation walls, shear walls, posts, piers, pilings, or columns Note: In Zones V and VE, solid foundation perimeter walls are unacceptable for elevating buildings. 60

57 Section 3: BUILDING DIAGRAMS and Elevation Certificates Building Diagrams: 5 8: Elevated Building with Enclosure An Enclosure is: Part of an elevated building below the lowest elevated floor Partially or fully shut in by rigid walls 61

58 Section 3: BUILDING DIAGRAMS and Elevation Certificates Building Diagrams 5 8: Elevated Building with Enclosure Vinyl or aluminum skirting around a mobile home is not an enclosure for rating purposes. 62

59 Section 3: BUILDING DIAGRAMS and Elevation Certificates Building Diagrams 5 9: Flood Vents for A Zones Elevation certificates document any flood vents, which are: Permanent openings to allow free movement of water No more than one foot above grade One square inch of opening for each square foot of enclosed area Minimum of two openings is required on different sides of each enclosed area 63

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64 Section 3: BUILDING DIAGRAMS and Elevation Certificates Poll Question 5 1. What should be the size of openings in flood vents for a 20x20 foot enclosure? a. 200 sq. inches b. 400 sq. inches c. 100 sq. inches 68

65 Section 3: BUILDING DIAGRAMS and Elevation Certificates Building Diagram 6: Breakaway Walls for V Zones Breakaway walls are: Not part of structural support Intended to give way under certain lateral forces Intended not to damage the elevated portion or the supporting foundation Continue to monitor the NFIP training website for upcoming topic specific webinars including V Zones. 69

66 Section 3: BUILDING DIAGRAMS and Elevation Certificates Building Diagrams 5 9: Questions to answer when working with elevated and/or enclosed buildings 1. How is the building enclosure used? 2. Which flood zone is the building in? 3. Does the building have proper venting (A Zones) or breakaway walls (V Zones)? 4. Where is the machinery and equipment located? 70

67 Section 3: BUILDING DIAGRAMS and Elevation Certificates Diagram 5 C2.a, b, c, f, g (for flood insurance rating purposes) All buildings elevated on piers, posts, piles, columns, or parallel shear walls. No obstructions below the elevated floor. 71

68 Section 3: BUILDING DIAGRAMS and Elevation Certificates Diagram 5 C2.a, b, c, e, f, g (for flood insurance rating purposes) Multi-level building elevated on pilings/no obstructions below the elevated floor 72

69 Section 3: BUILDING DIAGRAMS and Elevation Certificates Diagram 6 C2.a, b, c, e, f, g (for flood insurance rating purposes) All buildings elevated on piers, posts, piles, columns, or parallel shear walls with full or partial enclosure below the elevated floor. 73

70 Section 3: BUILDING DIAGRAMS and Elevation Certificates Diagram 6 C2.a, b, c, e, f, g (for flood insurance rating purposes) Building elevated with partial enclosure C2.b C2.e C2.a C2.g C2.f 74

71 Section 3: BUILDING DIAGRAMS and Elevation Certificates Diagram 7 EC Section C2.a (A8.a-c), b, e, f, g (for insurance rating purposes) All buildings elevated on fullstory foundation walls with a partially or fully enclosed area below the elevated floor. This includes walkout levels, where at least one side is at or above grade. The principal use of this building is located in the elevated floors of the building. 75

72 Section 3: BUILDING DIAGRAMS and Elevation Certificates Diagram 7 C2.a, b, c, e, f, g (for flood insurance rating purposes) Building elevated on full-story foundation walls Fully enclosed area below the elevated floor A8.b A8.c 76

73 Diagram 8 EC Section C2.a (A8.a-c), b, c, e, f, g (for insurance rating purposes) All buildings elevated on a crawl space with the floor of the crawl space at or above grade on at least one side, with or without an attached garage. 77

74 Diagram 8 EC Section C2.a (A8.a-c), b, c, e, f, g (for insurance rating purposes Multi-level building elevated on crawl space 78

75 Diagram 9 EC Section C2.a (A8.a-c), b, c, e, f, g (for insurance rating purposes) All buildings elevated (other than split-level) elevated on a sub-grade crawl space, with or without an attached garage. 79

76 Diagram 9 EC Section C2.a (A8.a-c), b, c, e, f, g (for insurance rating purposes) Single Story Building on Subgrade Crawl Space C2.b C2.f C2.a A8.b-c C2.g 80

77 Topic 3: Sections of an Elevation Certificate Building Diagrams

78 Section 3: BUILDING DIAGRAMS and Elevation Certificates Poll Question 6 Which of the following can describe the lowest floor of a building? A. Top of the bottom floor including basement, crawlspace, or enclosure. B. Next higher floor C. Lowest horizontal member in V Zones only D. Top of the garage slab E. All of the above 83

79 Section 4 RESOURCES regarding Elevation Certificates 84

80 Resources for Insurance Agents and their Clients The Flood Insurance Library The Flood Insurance Library includes: Manuals Handbooks Community Rating System Community Status Book Forms (Elevation Certificates) Guidelines Publications Standard Policies Summary of Coverage The link to the online Flood Insurance Library is: 85

81 Resources for Insurance Agents and their Clients NFIP Flood Insurance Manual Lowest Floor Guide within the Flood Insurance Manual is an excellent resource. Online: 86

82 Resources for Insurance Agents and their Clients FEMA s Map Service Center You can access FEMA s Map Service Center at: 87

83 EC made EZ Summary During the Elevation Certificate training you learned about the: Section 1: PURPOSE of an Elevation Certificate Section 2: KEY COMPONENTS of the Elevation Certificate Section 3: BUILDING DIAGRAMS relative to Elevation Certificates with corresponding Poll Questions or a Case Study Section 4: Helpful RESOURCES regarding an Elevation Certificate 88

84 Evaluations - Online All attendees will be receiving an with a link to a survey and feedback form. Please take time to complete and help us improve our training effort! THANKS 89

85 Resources for Insurance Agents and their Clients NFIP Training The NFIP/H2O webinars and instructor-led training seminars may be accessed at: (click on the upcoming tab) Agents Lenders Here is the contact information of trainers: Melanie Graham: Dorothy Martinez: Rich Slevin: Rich Waalkes Sonja Wood: 90

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