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Elevation Certificate in Long Beach, CA

Homes and buildings along Naples, the Peninsula, Belmont Shore, Alamitos Bay and parts of Seal Beach can fall inside FEMA flood hazard areas, and an Elevation Certificate is the FEMA form that records how the building sits against the mapped base flood elevation. It measures the lowest floor, garage slab, adjacent ground, machinery and flood vents, all in the vertical datum of the flood map - NAVD88 on current maps. Near the harbor, benchmark values need checking against current data because of the ground subsidence caused by past oil production in the Wilmington field.

Where the Question Comes Up

Flood insurance questions in this area gather around the water: Naples and its canals, the Peninsula, the low edges of Belmont Shore and the shoreline of Alamitos Bay in Long Beach, and low-lying parts of Seal Beach. When a building sits in a FEMA Special Flood Hazard Area, a federally backed mortgage generally requires flood insurance, and the Elevation Certificate is how the insurer learns where the building sits relative to the base flood elevation printed on the Flood Insurance Rate Map.

What Gets Measured

The certificate records the building's lowest floor, the garage slab, the lowest and highest ground elevations next to the walls, the height of machinery such as furnaces, water heaters and air conditioning units, and the number and size of flood vents in any crawlspace or enclosure. Along the Naples seawalls and the bay front, houses of very different ages stand side by side, and a few inches of floor height can put two neighbors in different positions.

Datum, and the Ground Moving

Elevations on the certificate have to be in the same vertical datum as the flood map - NAVD88 on current maps, while some older paperwork still quotes NGVD29 - and the conversion between them is not a guess. Benchmarks need checking too. Oil production from the Wilmington field made the harbor area sink dramatically in the mid-twentieth century, so an old benchmark value near the harbor side of San Pedro or Long Beach cannot be trusted without confirming it against current published data.

Inland Parcels and Map Amendments

Inland, in Lakewood, Bellflower and Los Alamitos, the request is less common and often starts with a lender's flood determination; the FIRM panel for the specific parcel is the place to begin. If the ground next to a building turns out to sit above the base flood elevation, the owner can ask FEMA for a Letter of Map Amendment, and the certificate data supports that request - the outcome is FEMA's decision. Certificates can be prepared from construction drawings, during construction, or at completion; the later stages pair naturally with construction staking and an as-built survey, and site grades come from a topographic survey.

How long does it take? Typically a single field visit. The form is completed after the field data is reduced and checked against the FIRM.

Frequently Asked Questions

Will an Elevation Certificate lower my flood insurance?
It depends on how the building actually sits relative to the base flood elevation, which is not known until it is measured. The certificate gives your insurance agent accurate data; the rating decision is theirs.
My house is in a flood zone but the ground seems high. What can I do?
If the ground next to the building is above the base flood elevation, you can apply to FEMA for a Letter of Map Amendment. Certificate data supports the application, but FEMA makes the determination.

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