Elevation Certificates in Kerr County, TX (2026)
An elevation certificate is a FEMA-standardized form that records your building's elevation relative to the Base Flood Elevation (BFE) at your property. Flood insurers, lenders, and permit offices use it to determine your flood risk, set your insurance premium, and verify building code compliance.
What an Elevation Certificate Shows
The document records your lowest floor elevation, any attached or detached structures, the current FEMA flood zone, the BFE, and the name and license of the RPLS who completed the survey. It is the primary tool for demonstrating your property's actual flood exposure compared to the mapped baseline.
Flood Risk in Kerr County
Kerr County has moderate to high along the Guadalupe River; the Upper Guadalupe watershed experiences rapid flash flooding. Popular Hill Country retirement and recreation destination. Camp and retreat facilities along the Guadalupe drive commercial survey demand. Rugged terrain requires specialized field techniques. Property owners in flood zones should check msc.fema.gov to confirm their current FEMA flood zone designation before ordering a certificate.
When You Need an Elevation Certificate in Kerr County
- Your property is in a FEMA Special Flood Hazard Area (Zone AE, A, or AO)
- Your lender requires flood insurance as part of your loan
- You are applying for a building permit for construction in a flood zone
- You want to apply for a Letter of Map Amendment (LOMA) to challenge your flood zone designation
- You have elevated or substantially improved your home and want documentation for an insurance rate reduction
Cost of an Elevation Certificate in Kerr County
| Property Type | Typical Cost Range |
|---|---|
| Standard single-family home | $400 to $700 |
| Larger residential or complex lot | $600 to $900 |
| Commercial property | $900 to $3,000+ |
The Elevation Certificate Process
- Step 1: Check msc.fema.gov to confirm your flood zone designation.
- Step 2: Look up your parcel at the Kerr County Appraisal District (kerrcad.com) and gather your deed and any existing survey documents.
- Step 3: Contact a licensed RPLS with your property address, parcel ID, and flood zone information.
- Step 4: The RPLS visits the site, measures building elevations, and completes the FEMA Elevation Certificate form.
- Step 5: Receive a sealed certificate to provide to your insurer, lender, or permit office.
Licensing Requirement
Elevation certificates in Texas must be completed by a licensed RPLS, licensed engineer, or licensed architect. Verify the license at tbpls.texas.gov before hiring.
Find an Elevation Certificate Surveyor in Kerr County
Our directory lists licensed RPLS professionals serving Kerrville, Ingram, Center Point, Hunt, Comfort (partial) and all of Kerr County who handle elevation certificates for residential and commercial properties.