Prepare NFIP Risk Rating 2.0 quoting inputs including elevation data

Verified steps

1. Collect the property's physical characteristics required as Risk Rating 2.0 inputs: street address, foundation type (slab, basement, crawlspace, etc.), first-floor height, number of floors, replacement cost value (RCV), and whether the property is in a Special Flood Hazard Area (SFHA).
2. Retrieve the property's FEMA-sourced flood risk data by querying the FEMA Flood Map Service Center (MSC) at msc.fema.gov to obtain the flood zone designation and Base Flood Elevation (BFE) from the current FIRM; use the FEMA NFHL WMS/WFS service for programmatic access.
3. Under Risk Rating 2.0, FEMA uses its own internal elevation data for rating — an Elevation Certificate is no longer required to purchase coverage but may still lower the premium if the property's actual elevation exceeds FEMA's modeled elevation; if the agent has an EC, parse its key fields (Section C: lowest floor elevation, LAG) and submit them alongside the property data to your WYO carrier's NFIP quoting interface.
4. Submit the assembled property data to your WYO carrier's NFIP rating system or FEMA's FloodSmart platform; FEMA does not expose a public premium calculation API for Risk Rating 2.0 — rating is performed within the carrier's NFIP-certified system.
5. Receive the annual premium quote broken down by building coverage, contents coverage, and ICC premium component; confirm coverage limits do not exceed NFIP statutory maximums (consult FEMA's current NFIP program guidance for residential and commercial limits, as these are subject to periodic change).
6. Document the inputs and rated premium in the policy application record; submit the application and first-year premium to the WYO carrier or NFIP servicing agent for policy issuance.