Wells Land Survey, LLC
712 FM 562
Anahuac, Texas  77514
Wells Land Survey, LLC proudly surveys
Galveston County

FEMA Elevation Certificates

Title Surveys

Residential & Commercial Lot Surveys

Topographic Surveys

Construction Staking

Platting Services

Tree Surveys
Receive $30.00 Off
When two or more elevation certificates
are ordered in the same neighborhood
I am a Homeowner and I
received a letter in the mail from
my lender saying our Flood
Zone has been rezoned. My
insurance company told me to
get an Elevation Certificate. Do
you all do this?

Absolutely. In some cases, a FEMA
Elevation Certificate can lower your
flood insurance premium. The
insurance company will charge the
maximum premium rate unless you
provide them with an Elevation
Certificate which shows the actual
height of your slab above sea level.
Is you home in the flood zone?

FEMA is in the process of updating the flood maps for Galveston
County. Take a look at the
preliminary maps.

New maps will put thousands properties  into "velocity zones," or V-
Zones – the highest risk for flooding. While some properties once in
flood zones will find themselves high and dry.

Wells Land Survey, LLC professional land surveyors can perform
these elevation surveys to determine the finished floor elevation of
your structure relative to the base flood elevation.
Flood insurance premiums are expected to rise. A new law intended to strengthen the
National Flood Insurance Program (NFIP) makes several changes to the way flood
insurance premiums are calculated. These changes may increase your monthly mortgage
payment. Contact your lender to find out if these changes will affect you.

  • The law, known as the Biggert-Waters Flood Insurance Act, phases in increased
    flood insurance rates for homes in flood zones. Premiums have the potential to
    increase by 25 percent per year, for the next four years until the full-risk rates are

  • You may not realize that the flood insurance rates you are currently paying may be
    discounted by the government. The law phases out the government’s support for
    flood insurance policies – except for those protecting primary residences. You will no
    longer receive discounts for second homes and commercial buildings.

  • It eliminates grandfathering. In the past, many buildings were allowed to keep their
    original flood-risk rating even if the zone designation was changed in a later flood
    zone map. Beginning in 2014, all buildings will be rated using the latest maps.

Certain events will cause an immediate increase in flood insurance premiums.  
The loss of subsidies and grandfathered status will be phased out over a four or five-year
period. However, your rates will immediately increase to full-risk rates if you allow a
flood insurance policy to lapse. If you buy a property in a flood zone that are below the
BFE, you will pay full-risk rates immediately.
Flood zone maps are changing throughout the country.
Even if you don’t have to have flood insurance now, you may be required to have it under
the new maps. That means buildings might now be in a flood zone that weren’t before, or
they may now be in a higher-risk zone. The Federal Emergency Management Agency
(FEMA) is updating maps throughout the country to reflect current flood risk.