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Newly Mapped Procedure for Property Owners

Newly Mapped Procedure for Property Owners

The Newly Mapped procedure offers a cost-saving option for property owners when a new Flood Insurance Rate Map (FIRM) shows that their risk has increased, placing them in a high-risk area, also called a Special Flood Hazard Area (SFHA).

For the first year following a map change, you can obtain a flood insurance policy at a rate equal to the lower-cost Preferred Risk Policy (PRP) rate, though a higher Reserve Fund Assessment and Federal Policy Fee will apply. After the first year, the rate begins transitioning to a full-risk rate, with annual rate increases of no more than 18 percent.

If you do not have flood insurance and find that your building will be mapped into an SFHA, we encourage you to purchase a PRP policy before the new maps become effective. You will be covered for your actual flood risk and will be able to renew your policy at the lower-cost PRP rate for another year during the first 12 months after the new map becomes effective.

Some properties that have experienced flooding in the past and filed claims may not be eligible for the Newly Mapped rates. Such properties may still be eligible for the grandfather rating option.

For more information about this rating option, read the Newly Mapped procedure fact sheet.

What's My Flood Risk?

Visit FEMA's Flood Map Service Center to locate your flood map to help determine your flood risk.

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Last Updated: Tuesday, 27-Sep-2016, 1:47 PM (EDT)

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