It seems to me that any determination of elevations in Zone A would be moot without a hydraulic analysis. Since there are no base flood elevations by definition it would require mandatory flood insurance. Therefore I advise my client not to seek an elevation certificate.
I dunno.. Mr not my real
Name..wouldn't work here.
Someone needs to contact the local FPA, if there is one to establish the base flood or provide direction. There are a few solutions.
. But with no locale known, how do you expect replies.
I will presume that without an EC, the insurance premiums will be the max. Here it could be 4 figures/ month. It could be more than the mortgage.
There is movement in congress (but don't hold your breath) to privatize flood insurance and move it away from the government program.
For a start,what state are you in?
we end up doing cross-sections give the data to an engineer who determines the BFE. I don't really know another way to do it, sometimes Zone A is as much as 20' off vertically.
I agree with you MightyMoe. The cross sections would be the basis for a hydraulic study of the area. The client is an individual interested in purchasing a home in a subdivision. Such a study would be a financial burden. I wonder why the study was not required at the time the subdivision was in review.
You need to contact your flood plain administrator to see if a community determined BFE has been established.
Also, are there preliminary firms to replace the current ones in your area? If so, even though the maps are preliminary, the accompanying FIS can be used to determine the BFE in un-numbered A zones.
I cant site the technical bulletin I read, but I remember it instructed the local building officials to do this if a preliminary FIS was performed.
Bottom line though, I don't think you would be doing your client any favors by advising them they don't need an EC.
not my real name, post: 379626, member: 8199 wrote: I agree with you MightyMoe. The cross sections would be the basis for a hydraulic study of the area. The client is an individual interested in purchasing a home in a subdivision. Such a study would be a financial burden. I wonder why the study was not required at the time the subdivision was in review.
Last one we did was about $3000, the insurance was $700 a month, so.............
It depends tremendously on where you are geographically. We have access in my state to numbers via the Division of Water Resources that seem to be accepted by FEMA for Zone A.
Robert Hill, post: 379624, member: 378 wrote: For a start,what state are you in?
Duly ignored.
