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National Flood Insurance Program (NFIP) flood insurance rates do not differ from company to company or agent to agent. All policy premiums include certain fees and surcharges, so ask your agent about these when discussing a price quote.

The amount you pay for your policy is calculated based on factors such as:

  • Year of building construction
  • Building occupancy
  • Number of floors
  • Location of its contents
  • Flood risk (e.g., its flood zone)
  • Location of the lowest floor in relation to the Base Flood Elevation on the flood map
  • Deductible and amount of building and contents coverage
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The NFIP’s Preferred Risk Policy (PRP) offers lower-cost protection for homes and apartments in areas of low to moderate flood risk. These areas of moderate or minimal flood hazards are shown as B, C, X, AR, and A99 zones on a Flood Insurance Rate Map.

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Request a review of your flood zone designation if you believe the zone your insurer or lender has determined for your property is incorrect.

There is a congressionally-mandated surcharge added to all NFIP policies.