Flood Elevation Certificate in Dallas, TX

Yes, an existing certificate may already be on file. Check with the City of Dallas Floodplain Management section, your closing documents, the prior owner, or the original builder before scheduling a new field survey.

In Texas, a flood elevation certificate must be completed and sealed by a licensed land surveyor, professional engineer, or architect authorized by state law to certify elevation information.

It can, if your lowest floor sits above the Base Flood Elevation on the FEMA map. The higher your floor is above the BFE, the lower the flood risk rating your insurer applies, which typically reduces your annual premium.

It is required for properties in high-risk flood zones, such as Zone A or Zone V, to properly rate a post-FIRM flood insurance policy. Properties in moderate- or low-risk zones, such as Zone X, are generally not required to have one.

Having your property address, parcel ID, any prior elevation certificate, and the flood determination or map panel information your lender or insurer provided will help the engineer complete the certificate accurately. It also helps to note whether the structure has a basement, crawlspace, attached garage, or flood vents.

You can look up your flood zone using FEMA's Flood Map Service Center by entering your property address to identify the applicable Flood Insurance Rate Map panel and zone designation. The City of Dallas Floodplain Management section can also provide site-specific flood data for properties within the city limits.