I have been reviewing for flood insurance compliance in the commercial lending area. In many instances, more than one building secures the loan (sometimes on the same parcel, sometimes not). If the buildings are on the same parcel of land, which is in a special flood hazard zone, should you get separate flood determinations on each building? If you don't get separate determinations, would an independent survey showing elevations of the various buildings suffice, or do you need to go to FEMA for a letter of map amendment on each building that is at a higher elevation than the flood zone?

Only FEMA can take it out of a SFHA. A Letter of Map Revision or Letter of Map Amendment would be needed.

And if the buildings are on the same loan and parcel of land, I'd do one flood cert.

Remember, though, that if it is in a special flood hazard area that buildings are insured separately.