Who Needs a Flood Elevation Certificate?
For certain structures in a high-risk flood zone, an elevation certificate could be required if the flood insurance policy is written through a federally regulated insurance lender such as the NFIP. This is because in high-risk flood zones, there is at least a one in four chance a flood could occur during a 30-year mortgage. However, private insurers do not always require ECs – even in high-risk flood zones.
ECs are not required and are not used for flood zone rating in moderate- to low-risk areas (Zones B, C and X), undetermined risk areas (Zone D), or certain high-risk areas eligible for other subsidies (e.g., Zones AR and A99).
If you need help determining your flood zone and identifying possible lower rates based on recent map changes, North Carolina Flood Insurance is happy to assist.