Base Flood Elevation (BFE)

Definition

Base Flood Elevation (BFE) refers to the computed elevation at which floodwaters are projected to rise during a base flood—a flood having a one-percent chance of being equaled or exceeded in any given year, commonly known as the 100-year flood. The BFE is a critical measure used by the Federal Emergency Management Agency (FEMA) and insurance agencies to determine flood risk and insurance requirements, particularly in areas prone to flooding.

How It Works

The BFE is determined using extensive hydrologic and hydraulic analyses of waterways and floodplains. It helps establish regulatory floodplains that local governments must use to enforce building codes, determine elevation requirements for new construction, and assess flood insurance rates. Properties located below the BFE are at higher risk of flood damage and therefore often require flood insurance coverage, while structures elevated above the BFE may qualify for lower premiums.

Why Woodstock, GA Residents Should Know This

In Woodstock, GA, understanding Base Flood Elevation is especially important due to the region’s variable rainfall patterns and nearby water sources. Local homeowners and businesses benefit from knowing their property’s elevation relative to the BFE, as local zoning regulations and floodplain management standards are influenced by it. Being aware of your property's position relative to the BFE helps you comply with city and county floodplain ordinances and avoid potential coverage issues down the line.

What This Means for Your Coverage

Knowing your BFE directly impacts your insurance decisions. If your property lies in a Special Flood Hazard Area (SFHA), purchasing Flood Insurance is not just advisable but often required by mortgage lenders. Additionally, your Homeowners Insurance may exclude flood-related damages, making supplemental flood coverage critical. For added protection in case flood-related liability claims arise, you might also consider an Umbrella Insurance policy to extend your overall coverage limits.

Expert Tip

The Larson Group encourages Woodstock residents to check their local flood maps and elevation certificates to determine whether their home or investment property is at risk. Understanding your BFE is a proactive step that not only safeguards your property but also ensures you’re adequately insured for the unexpected. If you have questions about how your property’s elevation might affect your premiums or eligibility for flood coverage, The Larson Group’s insurance specialists can help you navigate the details efficiently and confidently.