First Floor Height

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What is First Floor Height (FFH)?

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 NFIP Flood Insurance Manual.

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