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A national bank or Federal savings association shall use the standard flood hazard determination form developed by the Administrator of FEMA when determining whether the building or mobile home offered as collateral security for a loan is or will be located in a special flood hazard area in which flood insurance is available under the Act.
| September 2, 2015. A Flood Elevation Certificate documents your buildingâs elevation. If you live in a high-risk flood zone, you will need an Elevation Certificate before you can obtain an accurate flood insurance policy quote. Your insurance agent needs this information to compare your buildingâs elevation to the Base Flood Elevation (BFE), which determines how high the water will rise during a base flood.