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Building coverage is available for associations that own residential condominiums.
Whether you own or rent a unit in the building, you'll want to purchase contents coverage too.
In the absence of an association, condominium owners can purchase both building and contents coverage. Premiums are based on several factors, including the flood risk of the building that you occupy.
Flood insurance isn't federally required in moderate- to low-risk areas, but it's still a good idea. In fact, people in these areas file more than 20 percent of all National Flood Insurance Program (NFIP) flood insurance claims. Most condo owners and renters in moderate- to low-risk areas can get coverage at a reduced rate. Preferred Risk Policy (PRP) premiums, the lowest premiums available through the NFIP, offer building and contents coverage for one low price. If you don't qualify for a PRP, a standard-rated policy is still available.
If you own a unit in a high-risk area, you are required to purchase flood insurance if you have a mortgage through a federally regulated or insured lender. A standard-rated policy offers separate building and contents coverage.
This form of the Standard Flood Insurance Policy insures residential condominium associations.
Premiums are calculated based on factors such as:
Learn your flood risk and find agents in your area by completing your One-Step Flood Risk Profile on this page. Or enter your ZIP code to find an agent.
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Flooding can happen anywhere, but it's important to understand the different flood risks.
Understand the essentials of flood insurance.
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