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Grandfathering for Property Owners

Grandfathering for Property Owners

If a new flood map shows your high-risk property is at greater risk for flooding than shown on the previous map, your flood insurance rates will likely change. However, the NFIP Grandfather Rule may save you money by locking in the previous flood zone or the Base Flood Elevation for insurance rating purposes after the new map becomes effective.

Grandfathering applies to structures built after the community‘s first flood map was issued if:

  • You purchase a policy before the new maps take effect, or
  • You provide proof that your home was built in compliance with the flood map that was in effect at the time of construction. Your insurance agent can help produce the necessary documentation.

Grandfathering also applies to structures built before the community’s first flood map was issued, but only if you have a policy in place before the new map takes effect. Your insurance agent can help determine this for you.

Depending on a structure’s elevation, there may be cases where using the new flood map to rate your policy may result in a lower premium than grandfathering. Be sure that your insurance agent checks all options.

Learn more about what happens when maps change.

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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: Wednesday, 21-Sep-2016, 2:01 PM (EDT)

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