MODERATE TO LOW RISK PREMIUM TABLE: NON-RESIDENTIAL
The table below displays three different types of coverage. Premiums vary depending on the amount of coverage you choose and the type of coverage you need. Download a PDF of this page and bring it to a flood insurance agent who can help you choose the right coverage for you!
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Premiums for ZONES B, C, X (PRE-/POST-FIRM)
These premiums are based on a non-residential, one floor, no basement building with a $500 deductible.³ Your premium may be even lower if your community participates in the Community Rating System (CRS).⁴

Important: Your individual situation may differ from the conditions used for this estimate. A flood insurance agent can provide you with an accurate quote for your specific property and contents. To contact a local flood insurance agent, get your Flood Risk Profile.

Building & Contents		Building Only		Contents Only
Coverage	Annual Premium1	Coverage	Annual Premium1	Coverage	Annual Premium2
$100,000/$50,000	$1,266	$50,000	$411	$50,000	$520
$200,000/$100,000	$2,226	$100,000	$781	$100,000	$1,005
$300,000/$200,000	$3,028	$200,000	$1,256	$200,000	$1,597
$400,000/$300,000	$3,668	$300,000	$1,466	$300,000	$2,027
$500,000/$400,000	$4,306	$400,000	$1,676	$400,000	$2,457
$500,000/$500,000	$4,736	$500,000	$1,884	$500,000	$2,887

¹ Includes a Federal Policy Fee of $35 and ICC Premium.
² Includes a Federal Policy Fee of $35 only.
³ Higher deductible limits are available, up to $50,000 for Non-Residential properties.
⁴ The Community Rating System (CRS) is a voluntary incentive program that recognizes and encourages community floodplain management activities that exceed the minimum NFIP requirements. As a result, flood insurance premium rates are discounted to reflect the reduced flood risk resulting from the community actions. To learn more about CRS and to see if your community participates, go to FEMA’s CRS Web page, at http://www.fema.gov/business/nfip/crs.shtm.

Note: Replacement Cost Coverage is not available for the building or contents. All claims will be settled using Actual Cash Value. Business interruption is NOT an available coverage in the National Flood Insurance Program.

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