About Us
NY Flood specializes in saving money for New Yorkers who are living in FEMA flood zones.
The FEMA Flood Insurance Rate Maps utilize state-of-the-art technology to determine ground elevations (including ground subsidence) and estimate the location of floodplains for major streams and tidal surge. However, the maps do not show details for an individual home. Many citizens have reduced the cost of their flood insurance by obtaining an Elevation Certificate.
Due to subsidence and all new ground elevation data, all Elevation Certificates and Letters of Map Amendments for individual lots became null and void on June 18th, 2007 when the maps become effective. Citizens will have to obtain new Elevation Certificates (even if they had obtained one in the past) to determine their homes elevation relative to the new Base Flood Elevations. In an area like Harris County where the land is very flat most of the floodplains are relatively shallow and the elevation of your lowest floor and adjacent ground may help determine your particular floodplain status. If the first floor elevation of your home is located above the Base Flood Elevation providing an Elevation Certificate to your insurance agent may result in significant savings, at times even more thousands of dollars a year. An Elevation Certificate is prepared by a licensed engineer or land surveyor. |
