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Commercial Coverage

Preparation and Recovery Overview

Policy Rates

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.

Moderate- to Low-Risk Areas

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Toggle Arrow NON-RESIDENTIAL: Preferred Risk Policy (ZONES B, C, X)1,2,3

Non-Residential Business or Other Non-Residential Building and Contents Coverage Combinations

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)
$50,000/ $50,000 $679 $1,086 $50,000 $184 $433
$100,000/ $100,000 $1,084 $1,862 $100,000 $276 $620
$150,000/ $150,000 $1,407 $2,477 $150,000 $363 $816
$200,000/ $200,000 $1,741 $2,943 $200,000 $453 $1,021
$250,000/ $250,000 $2,008 $3,344 $250,000 $544 $1,226
$300,000/ $300,000 $2,273 $3,743 $300,000 $635 $1,430
$400,000/ $400,000 $2,675 $4,477 $400,000 $816 $1,841
$450,000/ $450,000 $2,874 $4,811 $450,000 $905 $2,046
$500,000/ $500,000 $3,073 $5,143 $500,000 $996 $2,251

Note: Other Combinations of building and contents coverage are available.

Rates effective April 1, 2016

1 A $250 Homeowner Flood Insurance Affordability Act of 2014 Surcharge will be added to all non-residential policies.
2 Add the $50 Probation Surcharge, if applicable.
3 Premium includes a 15% Reserve Fund Assessment and $25 Federal Policy Fee.
4 Premium includes Increased Cost of Compliance of $5 for non-residential coverage up to $480,000 and $4 for coverage over $480,000.
5 Use this section of the table for buildings with crawl spaces or subgraded crawl spaces, including those with an attached garage that have proper openings.
6 Use this section of the table for buildings or subgrade crawl spaces with an attached garage without proper openings.

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.

High-Risk Areas

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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What's My Flood Risk?

Visit FEMA's Flood Map Service Center to locate your flood map to help determine your flood risk.

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Last Updated: Tuesday, 27-Sep-2016, 1:47 PM (EDT)

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