Commercial Coverage

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Find Your Rates

Below, you'll find a sampling of policy premiums for different amounts of coverage based on the latest rates for October 2009.

If you have any additional questions or are ready to purchase flood insurance, you can contact an agent.

Moderate-to-Low Risk Areas
NONRESIDENTIAL: Preferred Risk Policy (ZONES B, C, X)
(PRE-/POST-FIRM)
A nonresidential policy, based on preferred rates, provides qualified structures in moderate-to-low risk areas with two types of coverage: Building & Contents and Contents Only.

Building & Contents			Contents Only1,4
Coverage	Annual Premium2,3		Coverage	Annual Premium2
	Without Basement or Enclosure	With Basement or Enclosure		Contents Above Ground (more than one floor)	All Other Locations (basement only not eligible)
$50,000/$50,000	$550	$880	$50,000	$145	$330
$100,000/$100,000	$880	$1,513	$100,000	$220	$500
$150,000/$150,000	$1,155	$2,035	$150,000	$295	$670
$200,000/$200,000	$1,430	$2,420	$200,000	$370	$840
$250,000/$250,000	$1,650	$2,750	$250,000	$445	$1,010
$300,000/$300,000	$1,870	$3,080	$300,000	$520	$1,180
$350,000/$350,000	$2,035	$3,410	$350,000	$595	$1,350
$400,000/$400,000	$2,200	$3,685	$400,000	$670	$1,520
$450,000/$450,000	$2,365	$3,961	$450,000	$745	$1,690
$500,000/$500,000	$2,530	$4,235	$500,000	$820	$1,860

¹ Add the $50.00 Probation Surcharge, if applicable.
² Premium includes Federal Policy Fee of $13.00.
³ Premium includes ICC premium fee of $6.00. Deduct this amount if the risk is a condominium unit.
⁴ Contents-only policies are not available for contents located in basement only.

Note: All nonresidential buildings, including nonresidential condominium buildings, are eligible for the Preferred Risk Policy. Individual nonresidential condominium units are only eligible for Contents Only coverage. In addition, individual residential condominium unit owners in nonresidential condominium buildings are only eligible for Contents Only coverage. The deductibles apply separately to building and contents. Building deductible, $1,000. Contents deductible, $1,000.

Note: Replacement Cost Coverage is not available for the building or contents. All claims will be settled using Actual Cash Value (depreciated value). Business interruption is NOT an available coverage in the National Flood Insurance Program.

NONRESIDENTIAL: Standard Rated Policy (ZONES B, C, X)
(PRE-/POST-FIRM)
A nonresidential policy, based on standard rates, for moderate-to-low risk areas offers three types of coverage: Building & Contents, Building Only, and Contents Only.

Building & Contents		Building Only		Contents Only
Coverage	Annual Premium1	Coverage	Annual Premium1	Coverage	Annual Premium2
$100,000/$50,000	$1,266	$50,000	$411	$50,000	$520
$200,000/$100,000	$2,359	$100,000	$781	$100,000	$1,005
$300,000/$200,000	$3,269	$200,000	$1,389	$200,000	$1,705
$400,000/$300,000	$3,909	$300,000	$1,599	$300,000	$2,135
$500,000/$400,000	$4,547	$400,000	$1,809	$400,000	$2,565
$500,000/$500,000	$4,977	$500,000	$2,017	$500,000	$2,995

¹ Includes a Federal Policy Fee of $35 and ICC Premium.
² Includes a Federal Policy Fee of $35 only.
³ Higher deductible limits are available, up to $50,000 for Non-Residential properties.

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 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. Please contact a licensed insurance agent for further information.

Note: Replacement Cost Coverage is not available for nonresidential building or contents. All claims will be settled using Actual Cash Value (depreciated cost). Business interruption is NOT an available coverage in the National Flood Insurance Program.

High-Risk Areas
NONRESIDENTIAL: Standard Rated Policy (A Zones)
(PRE-FIRM)
A nonresidential policy, based on standard rates, for high-risk areas offers three types of coverage: Building & Contents, Building Only, and Contents Only.

Building & Contents		Building Only		Contents Only
Coverage	Annual Premium1	Coverage	Annual Premium1	Coverage	Annual Premium2
$100,000/$50,000	$1,750	$50,000	$525	$50,000	$845
$200,000/$100,000	$3,468	$100,000	$940	$100,000	$1,655
$300,000/$200,000	$5,923	$200,000	$1,848	$200,000	$2,970
$400,000/$300,000	$8,073	$300,000	$2,988	$300,000	$3,980
$500,000/$400,000	$10,208	$400,000	$4,128	$400,000	$4,990
$500,000/$500,000	$11,218	$500,000	$5,253	$500,000	$6,000

¹ Includes a Federal Policy Fee of $35 and ICC Premium.
² Higher deductible limits are available, up to $50,000 for Non-Residential 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. Please contact a licensed insurance agent for further information.

Note: Replacement Cost Coverage is not available for nonresidential building or contents. All claims will be settled using Actual Cash Value (depreciated cost). Business interruption is NOT an available coverage in the National Flood Insurance Program.

NONRESIDENTIAL: Standard Rated Policy for Coastal Areas (V ZONES)
(PRE-FIRM)
A nonresidential policy, based on standard rates, for coastal high-risk areas offers three types of coverage: Building & Contents, Building Only, and Contents Only.

Building & Contents		Building Only		Contents Only
Coverage	Annual Premium1	Coverage	Annual Premium1	Coverage	Annual Premium2
$100,000/$50,000	$2,280	$50,000	$660	$50,000	$1,105
$200,000/$100,000	$4,885	$100,000	$1,210	$100,000	$2,175
$300,000/$200,000	$11,055	$200,000	$2,745	$200,000	$5,505
$400,000/$300,000	$18,415	$300,000	$5,585	$300,000	$10,025
$500,000/$400,000	$25,760	$400,000	$8,425	$400,000	$14,545
$500,000/$500,000	$30,280	$500,000	$11,250	$500,000	$19,065

¹ Includes a Federal Policy Fee of $35 and ICC Premium.
² Higher deductible limits are available, up to $50,000 for Non-Residential 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. Please contact a licensed insurance agent for further information.

Note: Replacement Cost Coverage is not available for nonresidential building or contents. All claims will be settled using Actual Cash Value (depreciated cost). Business interruption is NOT an available coverage in the National Flood Insurance Program.

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