What is a FEMA elevation certificate?

Steve Conley | August 24, 2026

Short Answer

A FEMA elevation certificate is an official document that shows a property's elevation relative to base flood elevation. It is used by insurance companies to determine flood insurance rates and by lenders to verify flood risk compliance.

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Steve's Advice

Steve Conley

Principal, Conley Sales Group at COMPASS

An elevation certificate measures your home's height relative to the Base Flood Elevation. It is the single most important document for determining your flood insurance premium. I recommend every Keys homeowner get an updated elevation certificate, especially if they have made improvements.

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More questions in Flood Insurance & FEMA

How much does flood insurance cost in the Florida Keys? What flood zone am I in for my Keys property? How much does flood insurance cost in the Florida Keys? Can I get cheaper flood insurance if my home is elevated? What is the difference between Zone AE and Zone VE? Do I need flood insurance if I pay cash for my home? How does flood insurance affect my monthly payment? What is the National Flood Insurance Program? Can I shop for private flood insurance in the Keys? How do flood zones change over time?

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