Elevation Certificates help insurers assess a property’s flood risk: the higher the first floor of a structure, the less likely is that structure will suffer flood damage during a flooding event. While an Elevation Certificate won’t set insurance rates they may qualify for insurance discounts. Most homeowners do not need an elevation certificate to get flood insurance – except if the house is located in a high-risk flooding area (Zone A or AE). Homeowners in these areas need elevation certificates to verify that their house complies with City of Little Rock municipal codes and building regulations, or if required by insurance companies to verify eligibility of policy discounts and proper rate assessment.