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MARLS Conference2012 The National Flood Insurance Program FEMA Elevation Certificate Marijo Brady P.E. CFM FEMA Region VIII 303-235-4835 Marijo.brady@dhs.gov
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MARLS 2012 What is the Elevation Certificate Used for? STRUCTURES ONLY!!!! Primary purpose of EC is for insurance rating. INSURANCE: MUST be used for insurance rating of POST-FIRM structures in the SFHA MAY be used for Pre-FIRM structures FLOODPLAIN ADMINISTRATION: CAN be used by local floodplain administrator to CONFIRM compliance; MUST be used if community is CRS rated. MAPPING: CAN be used to support a LOMA, LOMR-F, CLOMA, or CLOMR-F 2
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MARLS 2012 WHAT HAPPENS IF… A lender requires flood insurance for a structure and the EC shows the structure is “out” A “re-certification” can be requested by the property owner. The structure is in an Approximate A zone AND the EC is only being used for insurance purposes: Then the property owner or surveyor can complete section E. If the community provides a BFE (rare), then Section C can be completed; Section C can only be completed by surveyor/engineer. The structure is in an Approximate A zone AND the EC is being used to support a LOMC: Then the BFE can be estimated thru a HEC-RAS model or Quick 2 Complete Section C. 3
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MARLS 2012 The FEMA Elevation Certificate
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MARLS 2012 EC Insurance - Section A 5
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MARLS 2012 EC Insurance - Section A Elevation Certificate expires March 31, 2012 A1: Building Owners Name. A2: Building Street Address. Address of property in question. A3: Property Description. Especially important if no address assigned to structure yet. A4: Building Use. Refer to Flood Insurance Manual General Rules chapter (page GR 2) for examples of residential and non-residential structures. Detached garages are considered accessory structures on the EC. The flood insurance manual considers a detached garage as an appurtenant structure. 6
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MARLS 2012 EC Insurance - Section A A5: Lat/Long. Accuracy to 66 feet. Can use Google Earth. Note: MUST document the (horizontal) datum. A6: Photos. Required for insurance if post-FIRM structure. A7: Building Diagram Number. Required for insurance rating ! Diagrams 1-4: Non-elevated buildings Slab-on-grade or full/partial basement Diagrams 5-8: Elevated buildings Crawlspace, elevated on piers/posts Diagram 9: Subgrade crawlspace If subgrade crawlspace does not meet 2/5 rule, use Diagram 2 7
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MARLS 2012 EC Insurance - Section A A8: Crawlspace/Enclosure. Complete this section! Items 8b and 8c. Enter “0” if there are no permanent openings (meeting requirements) OR if openings are not within 1.0 feet above grade. If using interior grade, note in Comments section Engineered openings: YES if openings are building specific and designed by professional and certified (attach to EC) or Evaluation Report issued by ICC-ES Submit certification or Evaluation Report with EC A9: Attached Garage. Complete this section! 8
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MARLS 2012 Technical Bulletin 1-08 Openings in Foundation Walls and Walls of Enclosures Below Elevated Buildings in Special Flood Hazard Areas in accordance with the National Flood Insurance Program Technical Bulletin 1 / August 2008 Openings Requirements: Located below BFE Two openings on exterior walls Auto entry/exit of floodwaters 1 sq in/1sq ft Bottom of opening can be not higher than one foot from ADJACENT grade Engineered Openings: Specifically designed and certified Engineered opening certificate from state building is located in OR ICC-ES evaluation report (applies to commercially approved flood vents) Non-Engineered Openings Must meet openings requirements above 9
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MARLS 2012 Example Engineered Openings Certificate 10
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MARLS 2012 EC Insurance - Section B 11
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MARLS 2012 EC Insurance - Section B If a LOMA or LOMR-F has been issued, provide letter, date, and case number in Comments area of Section D (Surveyors) or comment area of Section G (community official). 12
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MARLS 2012 EC Insurance - Section B For a newly incorporated community or annexed area Parts B1, B2, B3, and B6 – enter the newly incorporated or annexing community Parts B4, B5, B7, B8, and B9 – actual FIRM panel showing bldg location For property that has been annexed by one community, but is shown on the FIRM as another community, enter annex community info in B1, B2, and B6 Enter ACTUAL FIRM date info into B4, B5, B7-B9 13
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MARLS 2012 EC Insurance - Section B B4-5: Map Panel Number/Suffix County-wide Format panels “C” and four-digit number 30017C0325D (Custer County) Suffix is “D” Community panels (non-county-wide) Enter the Community Panel Number shown on FIRM 3000100005D (Great Falls) Suffix is “D” 14
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MARLS 2012 How to find the panel info The Map Service Center Website (MSC) www.msc.fema.gov Google Earth and the National Flood Hazard Layer FEMA Mapping Information Platform www.hazards.fema.gov www.hazards.fema.gov Need help: 1-877-FEMA-MAP 15
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MARLS 2012 EC Insurance - Section B B6: FIRM INDEX Date: Date of issued index or revised index Use Community Status Book for FIRM index dates If no FIRM date, leave blank; structure is considered PRE-FIRM Enter new/annexing community FIRM Index date, if appropriate B7: FIRM PANEL Effective/Revised Date: USE the MSC to determine effective/revised date of the panel USE the panel number that would show the location of the structure B8: Flood Zone SFHA: any zone beginning with “A” 16
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MARLS 2012 EC Insurance - Section B B9: Base Flood Elevation BFE on FIRM Use floodway data table, summary of stillwater table, or FIS profiles to obtain BFE at upstream edge of structure Approximate A zones Development >5 acres or 50 acres requires BFE to be determined by applicant through engineering analysis BFE from other sources (state, OFAs, etc) Community acknowledged (estimated) BFE Community must complete comments section or attach separate paper accepting the estimated BFE If no BFEs available, enter N/A and complete Section E 17
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MARLS 2012 EC Insurance - Section B B10: Source of BFE Describe and Document! B11: Datum IF EC is being used for insurance rating: Must be in same datum as Section C. The BFE datum is REQUIRED. Example: datum from FIRM is 1929, it is preferred that Section C be reported in 1929. 18
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MARLS 2012 EC Insurance - Section C 19
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MARLS 2012 EC Insurance - Section C Complete this section if BFE provided on FIRM maps or BFE was developed from other sources, or 5 acre/50 lots Note: Use FIS profiles, summary of stillwater table or floodway data table to develop BFE at upstream edge of structure Entry into building is probably necessary elevation info! C1: Building elevations are based on: Construction drawings Building under construction Finished construction An insurance policy can be written for a structure under construction. 20
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MARLS 2012 EC Insurance - Section C C2: Survey required! Document benchmark utilized, the vertical datum, and conversion method, if applicable. Provide the Permanent Identifier (PID) or other unique identifier assigned by the maintainer of the benchmark. NGS: PID OPUS CORS Real-Time Network “All elevations for the certificate, including elevations for Items C2 a-h, must use the same datum on which the BFE is based.” 21
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MARLS 2012 EC Insurance - Section C C2 a-d: building elevations Refer back to Item A7: the building diagram number “If the flood zone cannot be determined, enter elevations for all of Items C2 a-h.” For buildings elevated on a crawlspace (diagrams 8 and 9), enter crawlspace floor elevation, whether or not it has met the openings requirements. C2e: lowest elevation of machinery. Includes: Elevator/shaft/associated equipment Furnaces Hot water heater Heat pumps Air conditioners Ductwork should be floodproofed 22
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MARLS 2012 EC Insurance - Section C C2f: Lowest adjacent (finished) grade next to bldg (LAG) Ground, sidewalk, patio slab, ATTACHED GARAGE, etc. C2g: Highest adjacent (finished) grade next to bldg (HAG) Ground, sidewalk, patio slab, ATTACHED GARAGE, etc. C2h: Lowest adjacent grade at lowest elevation of deck or stairs, including structural support 23
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MARLS 2012 EC Insurance - Section D Use the Comments area of Section D to provide datum, elevation, openings, or other relevant information not specified on the form. 24
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MARLS 2012 EC Insurance - Section E For Zones AO and Zone A without BFE Survey not required (for EC to be used for insurance rating) Provide comments in Section F if based on “natural grade” Enter measurements to nearest tenth of foot. 25
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MARLS 2012 EC Insurance - Section F Property owner or their representative. Applies when Section E is completed. Mailing address (as opposed to Section A which is asking for the address of the structure). 26
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MARLS 2012 EC Insurance So what happens if EC is incorrect, conflicting, or incomplete? The property owner gets the more conservative insurance rating i.e. more expensive. What happens if the insurance company cannot accept the EC b/c of errors or inconsistency? The lender may “force place” insurance. Force place does not require an EC however it is very expensive. Usually in place for one year. One recent case was as much as $400/MONTH What if the rating is wrong b/c of incomplete or incorrect data? The policy holder is ultimately held liable. For example…. 27
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MARLS 2012 EC LOMC - Section A No photos needed. 28
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MARLS 2012 EC LOMC - Section B B9: determine BFE Use Floodway data table Summary of stillwater table Use FIS profiles For approximate A zones Calculate BFE using HEC-RAS model or Quick2 or other approved model or leave blank and allow Baker to determine B10: source of BFE data Other: can be HEC-RAS model, Quick2, AO height of curb, etc. B11: Document datum 1929, 1988 29
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MARLS 2012 EC LOMC - Section C C1: complete this section C2: document datum and elevations Provide details on benchmark, datum and conversion method if datum is different than B9 Ideally, B9 and section C are reported in the same datum. Must report LAG, HAG, and lowest adjacent grade at lowest elevation of deck, attached garage, stairs, including structural report. 30
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MARLS 2012 EC LOMC - Section D Use comments section. Work submitted as part of the LOMC application should be transparent!!!! 31
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MARLS 2012 EC LOMC - Section E Not applicable to LOMC submittal 32
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MARLS 2012 EC LOMC - Section F Not applicable to LOMC submittal 33
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