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Flooding & Flood Risks

Converting your policy

Converting Your Policy Saves You Money and Keeps You Protected

If your property is mapped from a high-risk area to a moderate or low-risk area, and you have a loan, your lender may no longer require that you carry flood insurance. But your flood risk is only reduced, not removed. You should consider maintaining coverage. In fact, nearly 1 in 4 NFIP flood claims occur in these moderate- to low-risk areas! Your homes or businesses might qualify for the low-cost Preferred Risk Policy. You will even be refunded the difference paid from your existing policy with no lapse in coverage. Ask your insurance agent for more details.

See how changes in levee designation can affect your flood insurance >>

Learn your risk, and find an agent, by taking Your Risk Profile.

PRIMARY RESIDENCE DISCLAIMER


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: Friday, 27-Mar-2015, 10:59 AM (EDT)

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