Base Flood Elevation (BFE)

Base Flood Elevation (BFE)

Definition
Base Flood Elevation (BFE) refers to the computed elevation to which floodwater is anticipated to rise during a base flood — typically associated with a flood having a 1% chance of being equaled or exceeded in any given year (often referred to as the “100-year flood”). It’s an essential component in determining flood risk and setting insurance requirements under the National Flood Insurance Program (NFIP).

How It Works
The BFE serves as a benchmark used to evaluate the risk and cost of flood insurance coverage. FEMA maps establish BFEs for flood-prone areas, assessing the expected height of floodwaters relative to mean sea level. Properties built below the BFE face a significantly higher flood risk, which can lead to higher flood insurance premiums or even coverage limitations. By contrast, buildings constructed above the BFE often qualify for lower premiums, as they are considered safer and more resilient against flood damage.

Why Plainview, NY Residents Should Know This
For homeowners and business operators in Plainview, NY, understanding your property’s Base Flood Elevation is crucial—especially with increased instances of coastal and heavy rainfall flooding across Long Island. Even though Plainview is not directly on the shoreline, regional vulnerability to flash flooding and storm surges underscores the importance of awareness. Through FEMA’s Flood Insurance Rate Maps (FIRMs), residents can check if their property lies within a Special Flood Hazard Area (SFHA), where BFE standards directly influence building codes, insurance needs, and compliance with local regulations.

What This Means for Your Coverage
Your property’s elevation in relation to the BFE can significantly impact your policy options and premiums. For example, a homeowner with a structure built above the BFE may find lower rates on Homeowners Insurance, while businesses in affected zones may need additional protection through Commercial Property Insurance. In certain cases, property owners may also want to consider Umbrella Insurance to extend liability coverage in the event of large-scale flood damage and associated costs not fully covered by standard policies.

Expert Tip
The experts at Edward Lehmann Agency recommend regularly reviewing your property elevation data and FEMA flood maps to stay informed about potential updates that might affect your insurance coverage. Their team can guide you on proactive steps to mitigate flood risk, understand your BFE, and ensure your insurance protection aligns with your location’s exposure.