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Frequently Asked Questions

I'm not in a high-risk area, but I'd like flood coverage. Is this possible?

Yes! You are eligible to purchase a flood policy with the same coverage you would receive if you lived in a high-risk area. That is, of course, as long as your community participates in the NFIP. And you may qualify for the Preferred Risk Policy (a low-cost flood insurance policy) that provides contents coverage for as little as $49 per year and for as little as $129 per year for both building and contents coverage.

Back to Frequently Asked Questions: Considering Purchasing a Policy

PRIMARY RESIDENCE DISCLAIMER


For flood insurance rating purposes, a primary residence is a building that will be lived in by the insured or the insured's spouse for at least 80 percent of the 365 days following the policy effective date. If the building will be lived in for less than 80 percent of the policy year, it is considered to be a non-primary residence.

How Can I get Covered?

  • Rate your risk
  • Estimate your premiums
  • Find an agent

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Last Updated: Thursday, 09-May-2013, 1:19 PM (EDT)

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