What to do if you’re experiencing a decrease in flood risk

Arrow pointing from high-risk to moderate-to-low-risk

If you’re experiencing a decrease in flood risk – moving from the high-risk flood area to the moderate- to low-risk flood area – your flood insurance rates may now be more affordable.

While flood insurance is now optional, it is highly recommended for your property. Your risk is reduced, not removed.

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

Stay protected and get money back once the new map goes into effect

Your property may now be eligible for a lower-cost policy, known as a Preferred Risk Policy (PRP). PRP premiums can start at less than $325 a year.

Contact your agent today to keep your coverage and get money back once the new map goes into effect.

After converting your current policy to a PRP, you will be refunded the difference in premium. There will be no gaps in coverage and no additional money up front.

Did you know?

People in moderate- to low-risk areas file more than 20 percent of all flood insurance claims and receive one-third of flood disaster assistance.