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The following provides sample policy premiums for different amounts of coverage. If you have questions or are ready to purchase flood insurance, contact an agent.
Many properties in moderate- to low-risk areas, where flood insurance is not required, will qualify for lower-cost Preferred Risk Policy rates.
|Building & Contents 4||Contents Only 7|
|Coverage||Annual Premium||Coverage||Annual Premium|
|Without Basement or Enclosure6||With Basement or Enclosure5||Contents Above Ground||All Other Locations|
Note: Properties that have been newly mapped into a high-risk flood area may qualify for an equivalent PRP rate through the Newly Mapped procedure rating option. This premium table does not apply to those properties. Contact your agent for a quote.
Note: To qualify for a replacement cost settlement, a single-family dwelling must be the insured's principal residence and be insured to the maximum amount of insurance available under the program or no less than 80% of the replacement cost at the time of loss.
Note: Contents located entirely in a basement are not eligible for contents-only coverage.
Rates in high-risk areas (Zones A and V) are calculated based on a variety of factors, including elevation and building construction. You can purchase policies for contents only, building only, or both contents and building coverage. Talk to a licensed insurance agent to determine the premium for your specific property.
When considering the cost of a flood insurance policy, consider what not having a policy might cost you.
A lot of things determine which policy is best for you, so if you have questions, now's the time to ask.
If you're looking for an agent, here is a quick, handy tool to help you get started.
Understand the essentials of flood insurance.
It's important to know what your flood insurance policy covers.
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