What is Base Flood Elevation (BFE)?

Base Flood Elevation, (BFE), is a metric that predicts the height floodwaters are anticipated to reach during a one-hundred-year flooding event, which is a flood that has a 1% chance of occurring in any given year. BFE is often measured in feet or meters above a designated reference point, such as sea level, and is a vital tool for assessing flood risk.

Top 3 Flood Insurance Factors Affected by BFE

1. Risk Assessment and Insurance Premiums:

BFE is a critical factor in determining a property’s flood risk and can significantly impact flood insurance premiums. Properties at or below the projected BFE may face higher insurance premiums due to an increased likelihood of flood damage. However, if properties in high-risk areas are found to be at elevations above the BFE, it could lower their insurance premium.

2. Community Safety and Building Codes:

BFE plays a pivotal role in establishing building codes and regulations. Structures in flood-prone areas must be built above the BFE to ensure the safety of occupants and reduce the risk of property damage during flooding events. This contributes to the overall resilience of communities in the face of natural disasters.

3. Community Planning for a Brighter Future:

BFE plays a crucial role in floodplain mapping, helping communities make better decisions about land use and infrastructure development. Understanding projected flood levels can help local authorities allocate resources more effectively, reduce the risk of property damage, and ensure smarter development for long-term safety.

How do I find my BFE for my property?

FEMA’s Flood Insurance Rate Maps (FIRMs) can provide you with your property’s flood risk zone and associated BFE values for zones AE, AH, A1–A30, AR, AR/A, AR/AE, AR/A1– A30, AR/AH, AR/AO, V1–V30 and VE. Maps can be accessed at FEMA’s online map service center or through your local building or zoning department. You can also hire an engineer or licensed surveyor to determine your property’s BFE.

If you have questions or need help finding your BFE, feel free to give us a call at 866-503-5663.

Do I need to know my BFE to obtain flood insurance?

Not with FloodPrice.com!  We can help you find coverage options without it. You can quickly get a quote online and choose the options that fit your needs.

Elevating Above the Base Flood Elevation: How High Should You Build?

When building in a high-risk flood zone, it's recommended to elevate your structure at least two feet above the BFE. This not only enhances the safety of your property but also complies with FEMA’s construction guidelines for flood-prone areas. Be sure to check with your local floodplain management office before building to ensure that your plans adhere to the specific regulations in our area.

Navigating Construction in Unnumbered Flood Zone A Area

Unnumbered A-Zones are high-risk flood areas for which BFEs have not yet been established. Building in these areas can present unique challenges making it essential to work with community officials to determine a site-specific BFE for your property. Taking proactive steps to mitigate your flood risk now, could be much more cost-effective than trying to repair damages after a 100-year flooding event.

Residing in an unnumbered Zone A area without a designated BFE presents unique challenges. In these areas, the lack of an established BFE increases flood risks, potentially complicating construction and insurance processes. Working closely with community officials is essential to determine a site-specific BFE for your property. Fortunately, if you're in an unnumbered A zone, you can prepare your own Elevation Certificate. This step involves completing Section E of the certificate yourself, which can be a cost-effective way to help ensure your home is better protected against flood risks.

How can I save money on flood insurance?

Visit FloodPrice.com for a personalized flood insurance quote today. Our online quote tool shows you rates from the NFIP and trusted private insurers side by side—making it easy to find great coverage at the right price. So, whether you’re looking for coverage through the private market or the NFIP, we’ve got you covered!

Questions? Our Flood Experts are happy to help! Give us a call at 866-503-5663.

Disclaimer: The information on this site is provided for general guidance and informational purposes only. We make no guarantees regarding the completeness or reliability of the content. All liability for any reliance on the information is expressly disclaimed.