Flood Zone Determination Survey in Florida

Professional elevation surveys to determine your FEMA flood zone in Florida. Licensed surveyors provide elevation certificates and flood zone verification.

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Common Causes

Why This Happens in Florida

  • FEMA National Flood Hazard Layer (NFHL) maps may not reflect current site elevations
  • Property located in or near Special Flood Hazard Areas (SFHA) designated as A, AE, V, or VE zones
  • Mortgage lender requires flood zone verification and elevation certificate for closing
  • New FEMA map updates reclassifying properties into higher-risk flood zones
  • Insurance company requesting current elevation data for premium calculation
  • Property improvements or fill that may have changed the effective elevation since last survey

How a Survey Resolves It

What We Actually Do

  • FEMA Elevation Certificate with certified lowest adjacent grade and building elevations (NAVD 88)
  • Flood zone determination survey overlaying property boundaries on current NFHL maps
  • Base Flood Elevation (BFE) verification against county Flood Insurance Study (FIS) data
  • LOMA/LOMR-F eligibility assessment if property elevation exceeds BFE on natural ground
  • Freeboard calculation for compliance with local floodplain ordinances (typically BFE + 1-2 ft in Florida)

Florida Statutes That Apply

The legal basis for this work. Every reference below is to current Florida law.

  • 42 U.S.C. §4012a — Federal mandatory purchase of flood insurance in SFHAs for federally backed or federally regulated loans
  • §627.715, Fla. Stat. — Flood insurance (authorizes Florida-admitted insurers to write private flood coverage as an alternative to the NFIP)
  • 44 CFR Part 67 — FEMA appeals from proposed flood elevation determinations
  • Florida Building Code — Freeboard requirements above BFE for new construction

Why It Matters

What Happens If You Leave It

  • Mandatory flood insurance premiums in SFHAs can exceed $3,000-$5,000+/year under Risk Rating 2.0
  • Lender may force-place expensive flood insurance if elevation data is not provided
  • Building permits denied without verified elevation data in flood zones
  • Property value decreases when flood zone status is unknown or incorrectly classified
  • Post-construction discoveries of flood zone status can cost tens of thousands in retrofitting

Services That Resolve This

Elevation Certificates Topographic Surveys

By County

Flood Zone Determination in Your County

Requirements, permit offices, recording procedures and local conditions differ by county. Choose yours for guidance specific to where the property sits — all 67 Florida counties are covered.

South Florida (14 counties)

Central Florida (18 counties)

North Florida (19 counties)

Florida Panhandle (16 counties)

Other Survey Problems

Property Line Disputes Encroachment Issues Building Permit Surveys Easement Conflicts Construction Site Surveys Flood Map Amendment

Or return to the full list of survey problems.

Get This Resolved

Licensed Florida surveyors, all 67 counties. Tell us the property address and we will tell you exactly which survey you need and what it costs.

Get a Free Quote Call +1 305 216 6944