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How Much Does An Elevation Certificate Cost?

Typical Range: $170 - $2,000

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Flood Elevation Certificate Cost

The average flood elevation certificate costs $600. Depending on the type of property and location, costs can run as low as $170 and up to $2,000 or more. A flood elevation certificate determines the risk that flooding will impact your home.

Some insurance companies require this type of certificate, but many homeowners choose to get one because it can save them money on their flood insurance premium.

On This Page:

  1. Average Cost of a Flood Elevation Certificate
  2. Elevation Survey Cost
  3. FEMA Elevation Certificate Cost
  4. Certificate of Elevation Cost Factors
  5. Flood Elevation Certificate Cost Benefits
  6. DIY Elevation Certificate vs. Hiring a Professional
  7. FAQs

Average Cost of a Flood Elevation Certificate

Average Cost$600
High Cost$2,000+
Low Cost$170

Elevation Survey Cost

Homeowners around the US pay between $170 and $2,000 for an elevation survey. Costs vary based on where you live but the average flood elevation certificate costs $600.

An elevation survey is another name for an elevation certificate and is different from a land survey, which gives you a legal document of your property lines. Hiring a land surveyor costs $510 on average.

FEMA Elevation Certificate Cost

Getting an elevation certificate is $600 for the average homeowner. Flood elevation certificates are sometimes called FEMA elevation certificates. The reason for this is because homeowners who live in a FEMA-designated 100-year floodplain have to get this type of certificate. However, you can still get an elevation certificate even if you don’t live in a flood zone.

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Certificate of Elevation Cost Factors

Certificate of elevation costs range anywhere from $170 to $2,000 or more, depending on a number of factors:

  • Location: Living in an area that experiences a lot of flooding usually means it’s less expensive to get a certificate because land surveyors are already in the area.
  • Type of property: Certificates for residential properties typically cost less than commercial properties.
  • Structure: Basements, crawl spaces and other tricky-to-access areas raise the price.
  • Process: If you need a rush on the certificate (such as when buying a house), you’ll pay a higher price.

Flood Elevation Certificate Cost Benefits

A flood elevation certificate is beneficial because it could save upwards of $400 per year on flood insurance rates. This makes flood insurance more affordable, which can save you lots of money later on if your home experiences flooding.

One of the biggest homeowners insurance myths is that insurance automatically covers flooding from a natural disaster. Homeowners insurance covers damage that happens from internal flooding, like from a broken pipe.

Even in the desert, less than an inch of rain can lead to flooding. Getting flood insurance definitely beats paying the cost to repair water damage out of pocket, which can run up to $4,760. You could also have to pay another$1,360 to $4,940 for the price to remove standing water if uninsured.

DIY Elevation Certificate vs. Hiring a Professional

Unlike other household projects, there is no DIY option for a flood elevation certificate. You’ll have to contact a certified land surveyor or National Flood Insurance Program coordinator to perform the inspection and issue the certificate. Find elevation certification services near you to learn more.

FAQs

Who needs a flood elevation certificate?

Anyone can get a flood elevation certificate, but there are three situations where getting one is necessary:

  1. You own a house in a FEMA-determined Special Flood Hazard Area, also called a 100-year floodplain.
  2. Your flood insurance is through the National Flood Insurance Program.
  3. Your home loan is from the US government.

Why is it important to get an elevation certificate?

An elevation certificate is important because it helps determine how much you need to pay for flood insurance. Even if flood insurance isn’t mandatory where you live, you could still end up reducing the cost of your premium with a certificate.

Does an elevation certificate reduce flood insurance costs?

An elevation certificate could save up to $400 per year on flood insurance costs. Check with your insurer to see how you could save.

How do you get a flood elevation certificate?

If you buy a house in an area that’s prone to flooding, ask the sellers for their elevation certificate. Otherwise, you can find a land surveyors near you who has the proper license to perform one on your property.

Where do you get a new elevation certificate?

You can get a new elevation certificate through your state professional association for land surveyors. Otherwise, some architects or engineers have the proper license. Talk to a residential architect near you for more information.

How long does it take to get a flood elevation certificate?

It typically takes about five business days to get a flood elevation certificate.

What does a flood elevation certificate cost in Massachusetts?

Expect to pay between $600 and $1,200 for an elevation certificate in Massachusetts.

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