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FEMA IS-1102: Theory of Elevation Rating Course Overview

Course Overview

This course is to guide insurance professionals, particularly agents, through the steps to properly determine the Lowest Floor Elevation for Post-FIRM Buildings in A or V zones as shown on the FEMA Elevation Certificate. Due to BW-12 legislation and HFIAA-14, elevation certificates play a more crucial role in determining a policyholder’s premium rate.

Course Objectives:

  • Determine when an Elevation Certificate is necessary to properly rate a flood insurance policy
  • Describe the characteristics of, and differences between an A Zone and a V Zone
  • List the steps for accurately identifying the lowest floor in a building for rating purposes using the Elevation Certificate
  • Follow the basic steps for elevation rating
  • Determine when a building should be considered a “submit for rate”
  • Determine the lowest floor for rating for several types of non-elevated buildings using Elevation Certificate Building Diagrams 1 through 4
  • Determine the lowest floor for rating for several types of elevated buildings using Elevation Certificate Building Diagrams 5 through 9
  • Explain how rating in V Zones is different that rating in A Zones
  • Describe the NFIP requirements for proper flood openings and how proper flood openings affect rating
  • Describe how insect screening, lattice, or slats affect insurance rates
  • Describe how machinery and equipment affect insurance rates
  • Describe options for reducing NFIP Flood Insurance premiums
  • Locate online resources related to elevation ratings

Primary Audience

Property and casualty insurance agents.


Recommended Prerequisites

IS-1101, Basic Agent Tutorial and IS-1105, EC made EZ are the recommended prerequisite courses.



Course Length:

2 hours