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).

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?

Between 2014 and 2018, people in moderate- to low-risk areas filed more than 40 percent of all flood insurance claims and received one-third of flood disaster assistance.