If you need an elevation certificate for a prospective purchase, you can ask the listing agent or homeowner if they have one on file from when they bought the home. It's not common for every homeowner to have one, it's more often the case when the home is in a flood zone that may caused them to carry add'l flood insurance, or a mandatory request from their lender.
Another option is to talk to a professional insurance agent who is familiar with the area where the home is located. They might be able to help you get a quote without the elevation certificate.
Or you can certainly go to the county records and recheck flood zone maps yourself.
Hope that helps!
Kim Sandberg, Broker-Associate