PREFERRED RISK POLICY PREMIUM TABLE: 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)
Flood insurance provided through Preferred Risk Policies (PRPs) helps protect against the devastating financial consequences of a flood. PRPs are available to most building owners and tenants whose property is located in low-to-moderate risk areas. PRPs offer coverage for residences and their contents, except for basement-only units. Contents-only coverage is also available. See charts below for examples of annual premiums.

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)
$20,000/$8,000	$119	$144	$8,000	$39	$58
$30,000/$12,000	$148	$173	$12,000	$53	$80
$50,000/$20,000	$196	$221	$20,000	$81	$113
$75,000/$30,000	$230	$260	$30,000	$93	$130
$100,000/$40,000	$257	$287	$40,000	$105	$147
$125,000/$50,000	$277	$307	$50,000	$117	$164
$150,000/$60,000	$296	$326	$60,000	$129	$181
$200,000/$80,000	$326	$361	$80,000	$153	$201
$250,000/$100,000	$348	$388	$100,000	$177	$221

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: Residential condominium associations are not eligible for the Preferred Risk Policy. Individual residential condominium units in residential condominium buildings are eligible for the Preferred Risk Policy. 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 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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