Who Needs an Elevation Certificate?
For certain buildings in a high-risk zone, an EC may 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 areas, there is at least a one in four chance of flooding during a 30-year mortgage. However, private insurers do not typically require ECs for any zone.
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). Texas Flood Insurance can assist with
determining or providing your flood zone, and with identifying possible lower
rates based on recent map changes.