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Frequently Asked Questions

What benefits does the PRP eligibility extension provide?

In these particularly tough economic times, the PRP eligibility extension provides temporary financial relief; the reduced cost allows time for property owners to save and prepare for paying the premium based on standard NFIP rates after two years.

The extension provides more time for communities to upgrade and/or mitigate flood control structures to meet FEMA standards – reducing the future financial impact on residents and businesses. More families and business will also be able to better afford flood insurance coverage and for longer – meaning greater community resiliency and faster recovery after a flooding event.

Back to Frequently Asked Questions: Preferred Risk Policy (PRP) Eligibility Extension


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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Last Updated: Sunday, 13-Apr-2014, 4:36 PM (EDT)

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