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how we determine policy rates

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

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Toggle Arrow Residential: Preferred Risk Policy (PRP) Zones B, C, X1,2,3

Building & Contents 4 Contents Only 7
Coverage Annual Premium Coverage Annual Premium
Without Basement or Enclosure6 With Basement or Enclosure5 Contents Above Ground All Other Locations
$20,000/ $8,000 $146 $177 $8,000 $48 $71
$30,000/ $12,000 $184 $215 $12,000 $68 $101
$50,000/ $20,000 $246 $277 $20,000 $106 $145
$75,000/ $30,000 $291 $327 $30,000 $123 $169
$100,000/ $40,000 $324 $360 $40,000 $138 $189
$125,000/ $50,000 $341 $378 $50,000 $153 $210
$150,000/ $60,000 $364 $400 $60,000 $168 $231
$200,000/ $80,000 $400 $442 $80,000 $196 $255
$250,000/ $100,000 $425 $474 $100,000 $226 $280

Rates effective April 1, 2016

These PRP rates are for 1-4 Family Residential. Other residential building and contents coverage combinations are available.

1 Add a $25 Homeowner Flood Insurance Affordability Act of 2014 (HFIAA) surcharge for policies covering primary residences only if the named insured's primary residence is a single-family dwelling, an individual condominium unit, or an apartment in a non-condominium building. Add a $250 HFIAA surcharge for all other 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 residential coverage up to $230,000 and $4 for coverage over $230,000. Deduct this amount if the risk is a condominium unit.
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.
7 Use the contents-only coverage section of the premium table for individual residential condominium unit contents-only policies.

Note: Properties that have been newly mapped into a high-risk flood area may qualify for an equivalent PRP rate through the Newly Mapped procedure rating option. This premium table does not apply to those properties. Contact your agent for a quote.

Note: To qualify for a replacement cost settlement, a single-family dwelling must be the insured's principal residence and be insured to the maximum amount of insurance available under the program or no less than 80% of the replacement cost at the time of loss.

Note: Contents located entirely in a basement are not eligible for contents-only coverage.

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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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Questions for Your Agent Questions for Your Agent

A lot of things determine what policy is best for your business, so if you have questions, now's the time to ask.

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Know What's Covered Know What's Covered

Flood insurance covers property damage and personal items, but it's always smart to know what's covered.

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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: Thursday, 19-May-2016, 3:20 PM (EDT)

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