Homeowner

Email me when this page is updated

Coverage	Annual Premium2,3		Coverage	Annual Premium2
	Without Basement or Enclosure6	With Basement or Enclosure5		Contents Above Ground7	All Other Locations8
$20,000/ $8,000	$129	$154	$8,000	$49	$68
$30,000/ $12,000	$160	$185	$12,000	$65	$92
$50,000/ $20,000	$211	$236	$20,000	$96	$128
$75,000/ $30,000	$247	$277	$30,000	$110	$147
$100,000/ $40,000	$274	$304	$40,000	$122	$164
$125,000/ $50,000	$294	$324	$50,000	$134	$181
$150,000/ $60,000	$313	$343	$60,000	$146	$198
$200,000/ $80,000	$343	$378	$80,000	$170	$218
$250,000/ $100,000	$365	$405	$100,000	$194	$238

Rates effective January 1, 2011
¹Add the $50.00 Probation Surcharge, if applicable.
²Premium includes Federal Policy Fee of $20.00
³Premium includes ICC premium fee of $5.00. Deduct this amount if the risk is a condominium unit.
⁴Contents-only policies are not available for contents located in basement only.
⁵Do not use this section of the table for buildings with crawl spaces or subgrade crawl spaces. See footnote 6.
⁶Use this section of the table for buildings with crawl spaces or subgrade crawl spaces.
⁷Content-only policies are not available for contents located in basement only.
⁸More than one floor.
⁹Basement only not eligible.

Note: Starting January 1, 2011, properties that have been newly mapped into a high-risk flood zone, on or after October 1, 2008, may qualify for a Preferred Risk Policy through the PRP Eligibility Extension program.

Note: Residential condominium associations are not eligible for the Preferred Risk Policy. Individual residential condominium units in residential condominium buildings are eligible for the Preferred Risk Policy. In addition, individual residential condominium unit owners in nonresidential condominium buildings are only eligible for contents coverage. The deductibles apply separately to building and contents. Building deductible, $1,000. Contents deductible, $1,000.

To qualify for replacement cost claim settlement, a single-family dwelling must be the insured's primary residence and be insured to the maximum amount of insurance available under the program or no less than 80% of the replacement cost at the time of loss.

A residential policy, based on standard rates, for moderate-to-low risk areas offers three types of coverage: Building & Contents, Building Only, and Contents Only.

Coverage	Annual Premium1	Coverage	Annual Premium1	Coverage	Annual Premium2
$35,000/ $10,000	$503	$35,000	$364	$10,000	$179
$50,000/ $15,000	$709	$50,000	$500	$15,000	$249
$75,000/ $20,000	$905	$75,000	$627	$20,000	$318
$100,000/ $30,000	$1,057	$100,000	$687	$30,000	$410
$125,000/ $40,000	$1,160	$125,000	$747	$40,000	$453
$150,000/ $50,000	$1,263	$150,000	$807	$50,000	$496
$250,000/ $100,000	$1,717	$250,000	$1,046	$100,000	$711

¹ Includes a Federal Policy Fee of $40 and ICC Premium.
² Includes a Federal Policy Fee of $40 only.

The following criterion was used for calculating example premiums: Pre-FIRM, single family structure, no basement or enclosures, $1,000 deductible building and $1,000 deductible contents. Note: if your community participates in the Community Rating System (CRS), your premium may be even lower.

The CRS is a voluntary incentive program that recognizes and encourages community floodplain management activities that exceed the minimum NFIP requirements. As a result, flood insurance premium rates are discounted to reflect the reduced flood risk resulting from the community actions. To learn more about CRS and to see if your community participates, go to FEMA’s CRS Web page, at http://www.fema.gov/business/nfip/crs.shtm.

Buildings that are Post-FIRM, require the use of an elevation certificate for rating. Property owners always reserve the right to purchase an elevation certificate, which may potentially reduce their flood insurance premium. Please contact a licensed insurance agent for further information.

Note: Single-family dwellings that are primary residences and insured to the maximum amount of insurance available under the program or no less than 80% of the replacement cost at the time of loss may qualify for replacement cost claim settlement. All other buildings and contents will be adjusted based on their Actual Cash Value (depreciated cost). Please refer to the policy for further explanation and requirements.

A residential policy, based on standard rates, for high-risk areas offers three types of coverage: Building & Contents, Building Only, and Contents Only.

Coverage	Annual Premium1	Coverage	Annual Premium1	Coverage	Annual Premium2
$35,000/ $10,000	$472	$35,000	$376	$10,000	$136
$50,000/ $15,000	$634	$50,000	$490	$15,000	$184
$75,000/ $20,000	$857	$75,000	$665	$20,000	$232
$100,000/ $30,000	$1,129	$100,000	$830	$30,000	$339
$125,000/ $40,000	$1,412	$125,000	$995	$40,000	$457
$150,000/ $50,000	$1,695	$150,000	$1,160	$50,000	$575
$250,000/ $100,000	$2,930	$250,000	$1,805	$100,000	$1,165

¹ Includes a Federal Policy Fee of $40 and ICC Premium.
² Higher deductible limits are available, up to $5,000 for single-family properties.

The following criterion was used for calculating example premiums: Pre-FIRM, single family structure, no basement or enclosures, $2,000 deductible building and $2,000 deductible contents. Note: if your community participates in the CRS, your premium may be even lower.

The Community Rating System (CRS) is a voluntary incentive program that recognizes and encourages community floodplain management activities that exceed the minimum NFIP requirements. As a result, flood insurance premium rates are discounted to reflect the reduced flood risk resulting from the community actions. To learn more about CRS and to see if your community participates, go to FEMA’s CRS Web page, at http://www.fema.gov/business/nfip/crs.shtm.

Buildings that are Post-FIRM, require the use of an elevation certificate for rating. Property owners always reserve the right to purchase an elevation certificate, which may potentially reduce their flood insurance premium. Please contact a licensed insurance agent for further information.

Note: Single-family dwellings that are primary residences and insured to the maximum amount of insurance available under the program or no less than 80% of the replacement cost at the time of loss may qualify for replacement cost claim settlement. All other buildings and contents will be adjusted based on their Actual Cash Value (depreciated cost) Please refer to the policy for further explanation and requirements.

A residential policy, based on standard rates, for coastal high-risk areas offers three types of coverage: Building & Contents, Building Only, and Contents Only.

Coverage	Annual Premium1	Coverage	Annual Premium1	Coverage	Annual Premium2
$35,000/ $10,000	$580	$35,000	$457	$10,000	$163
$50,000/ $15,000	$790	$50,000	$605	$15,000	$225
$75,000/ $20,000	$1,205	$75,000	$959	$20,000	$286
$100,000/ $30,000	$1,838	$100,000	$1,384	$30,000	$494
$125,000/ $40,000	$2,554	$125,000	$1,809	$40,000	$785
$150,000/ $50,000	$3,270	$150,000	$2,234	$50,000	$1076
$250,000/ $100,000	$6,410	$250,000	$3,919	$100,000	$2,531

¹ Includes a Federal Policy Fee of $40 and ICC Premium.
² Higher deductible limits are available, up to $5,000 for single-family properties.

The following criterion was used for calculating example premiums: Pre-FIRM, single family structure, no basement or enclosures, $2,000 deductible building and $2,000 deductible contents. Note: if your community participates in the CRS, your premium may be even lower.

The Community Rating System (CRS) is a voluntary incentive program that recognizes and encourages community floodplain management activities that exceed the minimum NFIP requirements. As a result, flood insurance premium rates are discounted to reflect the reduced flood risk resulting from the community actions. To learn more about CRS and to see if your community participates, go to FEMA’s CRS Web page, at http://www.fema.gov/business/nfip/crs.shtm.

Buildings that are Post-FIRM, require the use of an elevation certificate for rating. Property owners always reserve the right to purchase an elevation certificate, which may potentially reduce their flood insurance premium. Please contact a licensed insurance agent for further information.

Note: Single-family dwellings that are primary residences and insured to the maximum amount of insurance available under the program or no less than 80% of the replacement cost at the time of loss may qualify for replacement cost settlement. All other buildings and contents will be adjusted based on their Actual Cash Value (depreciated cost) . Please refer to the policy or manual for further explanation and requirements.