FEMA Elevation CertificatesA FEMA elevation certificate is a required form 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.

  •  Elevation Certificate Order Form available here
  • Homeowners Guide to elevation certificates available here
  • Instructions Using the FEMA Map Search available here
  • Instruction for the elevation certificate are available here

Flood Insurance Reform Act of 2012

In July 2012, the U.S. Congress passed the Biggert-Waters Flood Insurance Reform Act of 2012 (BW-12) which calls on the Federal Emergency Management Agency (FEMA), and other agencies, to make a number of changes to the way the National Flood Insurance Program (NFIP) is run. Some of these changes already have occurred, and others will be implemented in the coming months. Key provisions of the legislation will require the NFIP to raise rates to reflect true flood risk, make the program more financially stable, and change how Flood Insurance Rate Map (FIRM) updates impact policyholders. The changes will mean premium rate increases for some—but not all—policyholders over time. Homeowners and business owners are encouraged to learn their flood risk and talk to their insurance agent to determine if their policy will be affected by BW-12.

  • More flood information available here

Sarasota County Flood Insurance and Elevation Certificate Information

  • Sarasota County contact information available here
  • Sarasota County flood map modernization information available here

Charlotte County Flood Insurance and Elevation Certificate Information

  • Charlotte County Flood Zone Information Website available here
  • Sarasota County flood map modernization information available here
Frequently Asked Questions
What is a floodplain?
A floodplain is any area of land subject to to a one percent annual chance of being inundated by flood from any source.
How do I know if my property is in a floodplain and subject to flooding?
  • Your property insurance agent can assist you with this information.
  • Your community zoning/planning staff can assist you with this information.
  • The local library
  • Go on-line to www.msc.fema.gov
What is the 100-year flood?
  • The term 100-year flood is used to describe high-risk flood zones. A high-risk flood zone is an area of land that has a 1 percent chance of flooding in any year. This does not mean a flood that happens once every 100 years.
  • The Flood Insurance Rate Maps (FIRMs) use the 100-year flood event as a measure.
  • In Sarasota County, this measurement is equivalent to 10 inches of rainfall in a 24-hour period.
  • According to national statistics, you have a 25 percent chance of flooding and a 4 percent chance of a fire in a 30-year time period.