311 E. Main Street
  Fleetwood, PA 19522
  Berks County
  Ph: 610.944.8528
  Fax: 610.944.6123
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FLOOD PLAIN ANALYSIS& ELEVATION CERTIFICATES

Some insurance and mortgage companies may require their client to have their property evaluated for flood risk. This requires that a licensed surveyor, such as Berks Surveying & Engineering, Inc., perform a topographic survey of the property to measure the elevation of the land, building, or other relevant features and compare this data to a pre-determined benchmark nearby. Usually, an Elevation Certificate is completed by the surveyor. This is then given to the client to provide to their insurance or mortgage company, who will use the data to determine insurability and/or rates for coverage.

Please contact us for a free estimate or for more information.

For more information on Flood Insurance, visit:  www.FloodSmart.gov and learn more.

Some general Flood Information Definitions are shown below:

Federal Emergency Management Agency (FEMA) - The federal agency within the Department of Homeland Security that is tasked with responding to, planning for, recovering from, and mitigating against man-made and natural disasters.

National Flood Insurance Program (NFIP) - A federal program enabling property owners in participating communities to purchase insurance protection against losses from flooding. This insurance is designed to provide an insurance alternative to disaster assistance to meet the escalating costs of repairing damage to buildings and their contents caused by floods.

Elevation Certificate - A certificate that verifies the elevation data of a structure on a given property relative to the ground level. The Elevation Certificate is used by local communities and builders to ensure compliance with local floodplain management ordinances and is also used by insurance agents and companies in the rating of flood insurance policies.

Lowest Floor - The lowest floor of the lowest enclosed area (including a basement). An unfinished or flood-resistant enclosure, usable solely for parking of vehicles, building access, or storage in an area other than a basement area, is not considered a building's lowest floor provided that such enclosure is not built so as to render the structure in violation of requirements.

Flood Insurance Rate Map (FIRM) - Official map of a community on which the Mitigation Division Administrator has delineated both the special hazard areas and the risk premium zones applicable to the community.

Flood Zone (Zone) - A geographical area shown on a Flood Hazard Boundary Map or a Flood Insurance Rate Map that reflects the severity or type of flooding in the area.

Floodplain - Any land area susceptible to being inundated by floodwaters from any source.

 

 
Berks Surveying & Engineering, Inc. • 311 E. Main St. • Fleetwood, PA • 19522 • 610.944.8528

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