Base Flood Elevation (BFE) is one of the most important factors in understanding your flood risk and determining how much you’ll pay for flood insurance. The BFE is defined as the computed elevation to which floodwater is anticipated to rise during a base flood event, typically described as a flood having a 1% annual chance of occurring (commonly known as the 100-year flood).
FEMA establishes BFE levels through detailed flood studies and maps. When you look at a Flood Insurance Rate Map (FIRM), the BFE helps identify whether your property is located in a Special Flood Hazard Area (SFHA) such as Flood Zone AE. Knowing your property’s relationship to the BFE is critical when building, remodeling, or purchasing a home in flood-prone areas like those across Missouri, Alabama, Georgia, and beyond.
Why does BFE matter for you as a homeowner or property buyer? Simply put: the higher your structure is built above the base flood elevation, the lower your flood insurance premiums are likely to be. On the other hand, if your property is below BFE, you may face higher rates through the National Flood Insurance Program (NFIP).
Private flood insurance companies also use BFE data to evaluate risk, but they often provide more flexible coverage options than NFIP. By comparing NFIP vs. private flood insurance, you can sometimes save money while improving your coverage.
At The Flood Insurance Guru, we help you review your elevation certificate, understand your property’s BFE, and explore options that fit your budget. Knowing your base flood elevation today can protect your investment, prevent overpaying, and give you peace of mind tomorrow.
