What to do if you’re experiencing an increase in flood risk.

an arror from moderate-to-low-risk to high-risk

If you’re experiencing an increase in flood risk – moving from the moderate- to low-risk flood area to the high-risk flood area – you are required to have flood insurance if you have a government-backed mortgage.

If you don’t carry a mortgage, you should still protect your investment with flood insurance due to the increased risk.

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Contact your insurance agent to find the lowest-cost coverage for your property.

You may be eligible for flood insurance cost-savings.

To save money on flood insurance while protecting your investment, the National Flood Insurance Program offers a lower-cost flood insurance option known as the Newly Mapped Procedure.

Property owners who purchase flood insurance within the first year of a map update may be eligible for a lower-cost flood insurance policy, known as a Preferred Risk Policy (PRP).

Your rate will transition to the full-risk rate through an annual increase of up to 18%.

To reduce your risk today, purchase a policy before the new maps become effective.