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Frequently Asked Questions

Do insurance companies or agents use this tool to determine premium rates?

No. This tool was created to help you understand your relative risk level, which is one only element used to determine your premium rates.

Along with flood zone information, agents will review location, the age and design of the building, occupancy, and the amount of coverage requested. Additionally, for buildings located in Special Flood Hazard Areas, agents must consider the elevation of the building in relation to the base flood elevation.

Back to Frequently Asked Questions: Risk Assessment


For flood insurance rating purposes, a primary residence is a building that will be lived in by the insured or the insured's spouse for at least 80 percent of the 365 days following the policy effective date. If the building will be lived in for less than 80 percent of the policy year, it is considered to be a non-primary residence.

How Can I get Covered?

  • Rate your risk
  • Estimate your premiums
  • Find an agent

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