If ground elevation exceeds the base flood elevation, can this be used for determining flood insurance needs?

The basis for determining flood insurance needs is the Base Flood Elevation (BFE), which is a key factor outlined in floodplain management requirements. The BFE represents the expected elevation of floodwaters during a base flood—typically defined as a flood that has a 1% chance of occurring in any given year.

When making decisions about flood insurance requirements, it is essential to refer to the current Flood Insurance Rate Map (FIRM). These maps are continually updated to reflect changes in flood risk and are critical for accurately assessing flood insurance needs. Therefore, even if the ground elevation at a property exceeds the BFE, this alone is not sufficient for determining flood insurance obligations; the most reliable source must be the current FIRM, which will indicate if insurance is mandated based on the identified flood zones and levels.

Using the FIRM helps ensure consistency in policy application and adherence to the National Flood Insurance Program (NFIP) guidelines, making it clear why this option is the most accurate approach in evaluating insurance needs in flood-prone areas.