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IS-1102: Theory of Elevation Rating

PLEASE NOTE: These courses are NOT approved for continuing education (CE) credit by any State Department of Insurance.

Upon successfully passing the exam, you will receive a Certificate of Achievement noting CE earned through the International Association for Continuing Education & Training (IACET). Each hour of instruction completed earns 0.1 CE Unit through IACET (.1 CE Unit = one CE). If you are taking a FEMA EMI Independent Study course in order to earn CE, be sure to confirm in advance that your professional board or other preferred entity will accept IACET CE. You can also check IACET's website for a list of entities that accept IACET CE at Who Recognizes IACET Accreditation? - IACET. FEMA accepts IACETs.

Course Date


Course Overview

This course is to guide insurance professionals, particularly agents, through the steps to properly determine the Lowest Floor Elevation for Post-FIRM Buildings in A or V zones as shown on the FEMA Elevation Certificate. Due to BW-12 legislation and HFIAA-14, elevation certificates play a more crucial role in determining a policyholder’s premium rate.

Course Objectives:

  • Determine when an Elevation Certificate is necessary to properly rate a flood insurance policy
  • Describe the characteristics of, and differences between an A Zone and a V Zone
  • List the steps for accurately identifying the lowest floor in a building for rating purposes using the Elevation Certificate
  • Follow the basic steps for elevation rating
  • Determine when a building should be considered a “submit for rate”
  • Determine the lowest floor for rating for several types of non-elevated buildings using Elevation Certificate Building Diagrams 1 through 4
  • Determine the lowest floor for rating for several types of elevated buildings using Elevation Certificate Building Diagrams 5 through 9
  • Explain how rating in V Zones is different that rating in A Zones
  • Describe the NFIP requirements for proper flood openings and how proper flood openings affect rating
  • Describe how insect screening, lattice, or slats affect insurance rates
  • Describe how machinery and equipment affect insurance rates
  • Describe options for reducing NFIP Flood Insurance premiums
  • Locate online resources related to elevation ratings

Primary Audience

Property and casualty insurance agents.


Recommended Prerequisites

IS-1101, Basic Agent Tutorial and IS-1105, EC made EZ are the recommended prerequisite courses.



Course Length:

2 hours
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Take Final Exam
  • Test questions are scrambled to protect test integrity
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