First Floor Height

This page is a rough draft and will need more work before it's finalized.

First Floor Height (FFH) is a measurement used to determine the elevation of a building's lowest floor above the adjacent ground level. This measurement plays a critical role in flood insurance rating by helping assess the building's flood risk accurately.

Why Does FFH Matter?

• Risk Assessment: FFH is a key factor in calculating flood insurance premiums. A higher FFH generally reduces flood risk and may lead to lower premiums.
• Flexible Options for Policyholders: FEMA provides an FFH value, but policyholders can also submit an Elevation Certificate (EC) from a licensed surveyor, which may result in a lower premium.

How is FFH Measured?

FFH is determined based on the building's foundation type. The table below outlines common foundation types and how FFH is measured:

• Slab on Grade: Measure from the slab floor.
• Basement: Measure from the first floor above the basement.
• Elevated Buildings: Use the lowest elevated floor (or enclosure floor in specific cases).
• Crawlspace: Measure from the first floor above the crawlspace.

FEMA uses advanced datasets to calculate FFH if no Elevation Certificate is provided.

Additional Notes for Agents

• Submitting an Elevation Certificate won't increase the premium and might result in a lower cost for the policyholder.
• Ensure the FFH and supporting documentation are accurately recorded on the insurance application form to avoid processing delays.

For more detailed guidance, consult the FIM.

This page contains information about the NFIP. Find more NFIP Resources.