Do I need an Elevation Certificate when shopping for Flood Insurance? A Flood Certificate is in relationship to the Base Flood Elevation, a document generated by an engineer, or surveyor, or qualified person that will provide data to help properly rate properties for flood insurance.  This Certificate will help determine the proper flood insurance premium rate for your home.  So buying a home on the water or near by, always get a Flood Certificate to get the best rate for your flood insurance. Call us at Consumer Mortgage for advice on your next purchase to see what flood zone you may be purchasing your home in. We can help you find out the cost for insurance and provide you with a mortgage program that works for you. Call 757-552-7000 or 1-800-882-0066.