HIGH RISK PREMIUM TABLE: 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 A, AE, A1-30, AO, AH (Pre-FIRM)
These premiums are based on a single family, 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
$35,000/$10,000	$509	$35,000	$403	$10,000	$145
$50,000/$15,000	$686	$50,000	$528	$15,000	$201
$75,000/$20,000	$887	$75,000	$676	$20,000	$256
$100,000/$30,000	$1,143	$100,000	$825	$30,000	$367
$125,000/$40,000	$1,399	$125,000	$974	$40,000	$479
$150,000/$50,000	$1,653	$150,000	$1,122	$50,000	$590
$250,000/$100,000	$2,766	$250,000	$1,701	$100,000	$1,148

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 $5,000 for single-family 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 available for single-family dwellings that are primary residences. They must 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. Please refer to the policy or manual for further explanation and requirements.

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