If you own property in Andalusia, Alabama, flood risk is something you can’t ignore. Heavy rain, nearby creeks, and low-lying areas across Covington County can all affect how flood insurance is priced. One document plays a major role in that process: the elevation certificate . An elevation certificate helps homeowners, lenders, and insurance companies understand how a structure sits in relation to flood levels. Having the right information can protect your home and may even lower insurance costs. What Is an Elevation Certificate? An elevation certificate is an official document prepared by a licensed land surveyor. It shows the height of key parts of a building compared to the Base Flood Elevation (BFE) set by FEMA. The certificate includes: Ground elevation Finished floor elevation Garage and equipment elevations Flood zone information Insurance companies use this data to determine flood insurance rates. In some cases, it can mean the difference between high premiums and more afforda...