PREFERRED RISK POLICY PREMIUM TABLE: NON-RESIDENTIAL
The table below displays two 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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PRP Premiums for ZONES B, C, X (PRE-/POST-FIRM)
In addition to building and contents options, this year, for the first time, the option of contents-only coverage is available for businesses who lease or rent space. Combinations of building and contents coverage are available in $50,000 increments as is the contents-only coverage. Examples of some of the available combinations and their annual rates are provided below.

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			Contents Only1,4
Coverage	Annual Premium2,3		Coverage	Annual Premium2
	Without Basement or Enclosure	With Basement or Enclosure		Contents Above Ground (more than one floor)	All Other Locations (basement only not eligible)
$50,000/$50,000	$550	$880	$50,000	$145	$330
$100,000/$100,000	$880	$1,513	$100,000	$220	$500
$150,000/$150,000	$1,155	$2,035	$150,000	$295	$670
$200,000/$200,000	$1,430	$2,420	$200,000	$370	$840
$250,000/$250,000	$1,650	$2,750	$250,000	$445	$1,010
$300,000/$300,000	$1,870	$3,080	$300,000	$520	$1,180
$350,000/$350,000	$2,035	$3,410	$350,000	$595	$1,350
$400,000/$400,000	$2,200	$3,685	$400,000	$670	$1,520
$450,000/$450,000	$2,365	$3,961	$450,000	$745	$1,690
$500,000/$500,000	$2,530	$4,235	$500,000	$820	$1,860

¹ Add the $50.00 Probation Surcharge, if applicable.
² Premium includes Federal Policy Fee of $13.00.
³ Premium includes ICC premium fee of $6.00. Deduct this amount if the risk is a condominium unit.
⁴ Contents-only policies are not available for contents located in basement only.

Note: All nonresidential buildings, including nonresidential condominium buildings, are eligible for the Preferred Risk Policy. Individual nonresidential condominium units are only eligible for contents-only coverage. In addition, individual residential condominium unit owners in nonresidential condominium buildings are only eligible for contents coverage. The deductibles apply separately to building and contents. Building deductible, $500. Contents deductible, $500.

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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