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Below, you'll find a sampling of policy premiums for different amounts of coverage.
If you have any additional questions or are ready to purchase flood insurance, you can contact an agent.
|Building & Contents 4||Contents Only|
|Coverage||Annual Premium||Coverage||Annual Premium|
|Without Basement or Enclosure6||With Basement or Enclosure5||Contents Above Ground (more than one floor)||All Other Locations (basement only not eligible)|
Note: All non-residential business and other non-residential buildings, including non-residential condominium buildings, are eligible for the Preferred Risk Policy. Individual non-residential condominium units are only eligible for contents-only coverage. In addition, individual residential condominium unit owners in non-residential condominium buildings are only eligible for contents-only coverage.
Note: Replacement Cost coverage is not available for the building or contents. All claims will be settled using Actual Cash Value (depreciated value). Business interruption is not available coverage in the National Flood Insurance Program.
Note: Contents located entirely in a basement are not eligible for contents-only coverage.
Note: Properties that have been newly mapped into a high-risk flood area may qualify for an equivalent preferred risk rate through the Newly Mapped procedure rating option. This premium table does not apply to those properties. Contact your agent for a quote.
The NFIP's Preferred Risk Policy (PRP) covers commercial property in areas of moderate- to low-risk. This brochure provides information for building owners and tenants on premiums and coverage amounts.
Rates in high-risk areas (A and V Zones) are calculated based on a variety of factors, including elevation and building construction. Policies can be purchased 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.
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