Do I need an Elevation Certificate?

Flood Insurance and FEMA’s Risk Rating 2.0

In October 2020, FEMA introduced Risk Rating 2.0, a modernized approach to flood insurance pricing under the National Flood Insurance Program (NFIP). This system calculates premiums using more property-specific factors, such as:

  • Distance to water
  • Type of flooding risk
  • Cost to rebuild the property
  • Elevation of the structure
  • One major change: Elevation Certificates (ECs) are no longer required to purchase a new flood insurance policy.

If Elevation Certificates Aren’t Required, Why Consider One?

Although Risk Rating 2.0 allows flood policies to be written without an EC, there are still scenarios where obtaining one can work in your favor:

  • Lower Premiums
    An EC can provide more precise elevation data. If the information shows your home is at a lower risk than FEMA’s models assume, your flood insurance premium may decrease.
  • Accurate Flood Risk Assessment
    Risk Rating 2.0 uses general data models. An EC can fine-tune those calculations, ensuring your property’s unique characteristics are considered.
  • Flood Zone Challenges
    If you believe your property is incorrectly designated as high risk, an EC can support a Letter of Map Amendment (LOMA) to change your flood zone classification.
  • Future Transactions
    When selling or refinancing, having an EC readily available can help buyers or lenders make informed decisions.

When You Do Not Need an Elevation Certificate

  • New Flood Insurance Policies
    • Under Risk Rating 2.0, you can purchase flood insurance without providing an EC.
  • Preferred Risk Properties
    • Homes in low- to moderate-risk zones often qualify for affordable coverage without an EC.
  • Lender Discretion
    • Some lenders may request one, but many follow the NFIP’s updated guidelines and do not require an EC unless unique property circumstances exist.

How to Obtain an Elevation Certificate

If you decide to pursue an EC, here are your options:

  1. Hire a Licensed Surveyor or Engineer – The most direct and accurate route.
  2. Check With Your Local Municipality – Some communities keep ECs on file.
  3. Contact Your Builder or Developer – For newer homes, an EC may already exist.
  4. Ask Your Insurance Agent – At HCC Insurance, we’ll review your situation and connect you with trusted professionals if an EC could help reduce your rates.

The HCC Difference in Flood Insurance


At HCC Insurance, we specialize in flood insurance throughout Massachusetts, and all of New England. As an independent agency representing multiple carriers, we can:

  • Compare flood insurance options under Risk Rating 2.0
  • Evaluate whether an elevation certificate could reduce your premium
  • Guide you through FEMA flood maps, zone determinations, and mitigation strategies


We believe in making insurance simple, honest, and client-focused. More than a policy, we provide a partnership in risk management so you can feel confident your home is properly protected.


Not sure if an Elevation Certificate will benefit you?

Let us review your property details and flood risk factors under FEMA’s Risk Rating 2.0.

Ready for a Coverage Review?

Whether you're purchasing a new home or evaluating your current policy, we’ll walk you through the numbers and explain your options—clearly, simply, and thoroughly.

📞 Call us at (508) 997-3321
📧 Email: info@hccinsuranceagency.com
📍 Visit us: 195 Kempton St, New Bedford, MA 02740

HCC Insurance | Established 1926

“More than just a policy. A partner in risk management.”