No Flood

We have a list of lots with elevation certificates on file with the County. Call or email us and we'll check your property against the lists, answer your questions, and sign you up to save thousands of dollars if you qualify.

How Does This Work? 
Most homes constructed in the last 20 years have finished floors at least a foot above the 100-year elevation, and many of these have been constructed so that the ground adjacent to the buildings is above the 100-year flood elevation. If this condition is met, your building qualifies for removal from the 100-year flood plain and may eliminate the requirement of purchasing flood insurance. If your mortgage company still requires that you purchase flood insurance even after your building has been removed from the flood plain, or you just want cheaper insurance, you will then qualify for a much lower rate on your flood insurance (usually less than half of what you are currently paying).

What Will This Cost? 
Your cost can easily be as low as $380. We typically process your paperwork as part of a group package. The more homeowners we submit in each package, the lower the cost is to you. So, if your neighbors are also interested, you will all save even more.

Learn More . . . 

How can I check to see if my house might qualify?

First, see if you have an elevation certificate for your house (click on "Elevation Certificate" for an example). If you've got an elevation certificate, check to see if the "Base Flood Elevation" (1) is less than the "Lowest Adjacent Grade" (2) on the certificate. If so, you qualify! All we then need from you is the elevation certificate and your payment to do the processing; we'll collect all the other documents and fill out the necessary forms.

If you don't have an elevation certificate, call or email us with your address. As mentioned above, we have a list of properties that have elevation certificates on file with Pasco County, and that list has the Base Flood Elevation and the "top of bottom floor" elevation for the certificates they do have. We can get a copy of your certificate from them, but we'll need you to gather some information for us before doing so. What we'll need to know is how far your lowest adjacent grade is below your finished floor (click on "lowest adjacent grade exhibit"). There are a number of ways to do this:

• If you can see the top of your concrete slab all the way around your house, walk around the house and find the place where grass/landscaping/patio is furthest below the slab and measure the distance. That's it!
• If your house has siding, you can open your front door and get a rough measurement of how far the bottom of the siding is below (or above) your floor. Now walk around the house and find the place where the grass/landscaping/patio is furthest below the siding and measure the distance. Add this distance to how far the siding is below the floor (or subtract from it how far the siding is above the floor) and you've got your number.
• If you've got block, open your front door and measure how far the top of a line of block that goes all the way around the house is above the floor. Now walk around the house and find the place where the grass/landscaping/patio is furthest below this line of block and measure that distance. Subtract this distance from how far the line of block is above the floor and you've got your number.
• If you've got stucco and can't see the top of your slab, it gets a little trickier. You'll have to use a window near where you think the lowest adjacent grade is, measure inside from the bottom of glass to the floor and outside from the lowest adjacent grade up to the level of the bottom of the glass, and subtract the inside from the outside. It might not be very accurate, but it will hopefully be good enough for us to figure out if you'll qualify.

If the County doesn't have an elevation certificate on file, we'll have to have a surveyor complete one for you. But before spending any money to do this, see if you can find a copy of a survey of your property. Your survey should tell you what your “top of bottom floor” is (often called “finished floor elevation”), and with this information, as well as your calculation of how far the lowest adjacent grade is below your finished floor (see bullets immediately above), we’ll look up the Base Flood Elevation and have a good idea of what the surveyor will determine (and whether your house will qualify) before incurring any surveying costs.

FEMA Elevation Certificate 

LOMR.pdf
100.8 KB Most Recently Approved LOMR-F