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Commercial Coverage
Rates effective October 1, 2012.
Find Your Rates
Below, you'll find a sampling of policy premiums for different amounts of coverage.
If you have any additional questions or are ready to purchase flood insurance, you can contact an agent.
Moderate-to-Low Risk Areas
NONRESIDENTIAL: Preferred Risk Policy (ZONES B, C, X)
(PRE-/POST-FIRM)
A nonresidential policy, based on preferred rates, provides qualified structures in moderate-to-low risk areas with two types of coverage: Building & Contents and Contents Only.
| Building & Contents1 | Contents Only1,4,6 | ||||
|---|---|---|---|---|---|
| Coverage | Annual Premium2,3 | Coverage | Annual Premium2 | ||
| Without Basement or Enclosure5 | With Basement or Enclosure4 | Contents Above Ground (more than one floor) | All Other Locations (basement only not eligible) | ||
| $50,000/$50,000 | $584 | $924 | $50,000 | $167 | $357 |
| $100,000/$100,000 | $924 | $1,576 | $100,000 | $244 | $533 |
| $150,000/$150,000 | $1,207 | $2,114 | $150,000 | $321 | $708 |
| $200,000/$200,000 | $1,490 | $2,510 | $200,000 | $399 | $883 |
| $250,000/$250,000 | $1,717 | $2,850 | $250,000 | $476 | $1,058 |
| $300,000/$300,000 | $1,944 | $3,190 | $300,000 | $553 | $1,233 |
| $350,000/$350,000 | $2,114 | $3,530 | $350,000 | $630 | $1,408 |
| $400,000/$400,000 | $2,284 | $3,813 | $400,000 | $708 | $1,583 |
| $450,000/$450,000 | $2,453 | $4,097 | $450,000 | $785 | $1,758 |
| $500,000/$500,000 | $2,623 | $4,380 | $500,000 | $862 | $1,933 |
1 Add the $50.00 Probation Surcharge, if applicable.
2 Premium includes Federal Policy Fee of $20.00.
3 Premium includes ICC premium fee of $5.00. Deduct this amount if the risk is a condominium unit.
4 Contents-only policies are not available for contents located in basement only.
5 Use this section of the table for buildings with crawlspaces or subgrade crawlspaces.
6Contents-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 Only coverage. The deductibles apply separately to building and contents. Building deductible, $1,000. Contents deductible, $1,000.
Note: Replacement Cost Coverage is not available for the building or contents. All claims will be settled using Actual Cash Value (depreciated value). Business interruption is NOT an available coverage in the National Flood Insurance Program.
NONRESIDENTIAL: Standard Rated Policy (ZONES B, C, X)
(PRE-/POST-FIRM)
A nonresidential policy, based on standard rates, for moderate-to-low risk areas offers three types of coverage: Building & Contents, Building Only, and Contents Only.
| Building & Contents | Building Only | Contents Only | |||
|---|---|---|---|---|---|
| Coverage | Annual Premium1 | Coverage | Annual Premium1 | Coverage | Annual Premium2 |
| $100,000/$50,000 | $1,535 | $50,000 | $495 | $50,000 | $630 |
| $200,000/$100,000 | $2,863 | $100,000 | $945 | $100,000 | $1,220 |
| $300,000/$200,000 | $3,968 | $200,000 | $1,683 | $200,000 | $2,075 |
| $400,000/$300,000 | $4,748 | $300,000 | $1,933 | $300,000 | $2,605 |
| $500,000/$400,000 | $5,527 | $400,000 | $2,183 | $400,000 | $3,135 |
| $500,000/$500,000 | $6,057 | $500,000 | $2,432 | $500,000 | $3,665 |
1 Includes a Federal Policy Fee of $40 and ICC Premium.
2 Includes a Federal Policy Fee of $40 only.
3 Higher deductible limits are available, up to $50,000 for Non-Residential properties.
Premiums are based on a non-residential building, no basement or enclosure, with contents located on first floor above ground only, $1,000 deductible building and $1,000 deductible contents. Note: if your community participates in the CRS, your premium may be even lower.
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.
Buildings that are Post-FIRM, require the use of an elevation certificate for rating. Property owners always reserve the right to purchase an elevation certificate, which may potentially reduce their flood insurance premium. Please contact a licensed insurance agent for further information.
Note: Replacement Cost Coverage is not available for nonresidential building or contents. All claims will be settled using Actual Cash Value (depreciated cost). Business interruption is NOT an available coverage in the National Flood Insurance Program.
High-Risk Areas
NONRESIDENTIAL: Standard Rated Policy (A Zones)
(PRE-FIRM)
A nonresidential policy, based on standard rates, for high-risk areas offers three types of coverage: Building & Contents, Building Only, and Contents Only.
| Building & Contents | Building Only | Contents Only | |||
|---|---|---|---|---|---|
| Coverage | Annual Premium1 | Coverage | Annual Premium1 | Coverage | Annual Premium2 |
| $100,000/$50,000 | $1,750 | $50,000 | $525 | $50,000 | $850 |
| $200,000/$100,000 | $3,568 | $100,000 | $940 | $100,000 | $1,660 |
| $300,000/$200,000 | $6,598 | $200,000 | $1,948 | $200,000 | $3,150 |
| $400,000/$300,000 | $9,498 | $300,000 | $3,488 | $300,000 | $4,510 |
| $500,000/$400,000 | $12,383 | $400,000 | $5,028 | $400,000 | $5,870 |
| $500,000/$500,000 | $13,743 | $500,000 | $6,553 | $500,000 | $7,230 |
1 Includes a Federal Policy Fee of $40 and ICC Premium.
2 Higher deductible limits are available, up to $50,000 for Non-Residential properties.
Premiums are based on a non-residential building, no basement or enclosure, with contents located on first floor above ground only, $2,000 deductible building and $2,000 deductible contents. Note: if your community participates in the CRS, your premium may be even lower.
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.
Buildings that are Post-FIRM, require the use of an elevation certificate for rating. Property owners always reserve the right to purchase an elevation certificate, which may potentially reduce their flood insurance premium. Please contact a licensed insurance agent for further information.
Note: Replacement Cost Coverage is not available for nonresidential building or contents. All claims will be settled using Actual Cash Value (depreciated cost). Business interruption is NOT an available coverage in the National Flood Insurance Program.
NONRESIDENTIAL: Standard Rated Policy for Coastal Areas (V ZONES)
(PRE-FIRM)
A nonresidential policy, based on standard rates, for coastal high-risk areas offers three types of coverage: Building & Contents, Building Only, and Contents Only.
| Building & Contents | Building Only | Contents Only | |||
|---|---|---|---|---|---|
| Coverage | Annual Premium1 | Coverage | Annual Premium1 | Coverage | Annual Premium2 |
| $100,000/$50,000 | $2,280 | $50,000 | $660 | $50,000 | $1,110 |
| $200,000/$100,000 | $5,105 | $100,000 | $1,210 | $100,000 | $2,180 |
| $300,000/$200,000 | $12,845 | $200,000 | $2,965 | $200,000 | $6,200 |
| $400,000/$300,000 | $22,465 | $300,000 | $6,685 | $300,000 | $12,100 |
| $500,000/$400,000 | $32,070 | $400,000 | $10,405 | $400,000 | $18,000 |
| $500,000/$500,000 | $37,970 | $500,000 | $14,110 | $500,000 | $23,900 |
1 Includes a Federal Policy Fee of $40 and ICC Premium.
2 Higher deductible limits are available, up to $50,000 for Non-Residential properties.
Premiums are based on a non-residential building, no basement or enclosure, with contents located on first floor above ground only, $2,000 deductible building and $2,000 deductible contents. Note: if your community participates in the CRS, your premium may be even lower.
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.
Buildings that are Post-FIRM, require the use of an elevation certificate for rating. Property owners always reserve the right to purchase an elevation certificate, which may potentially reduce their flood insurance premium. Please contact a licensed insurance agent for further information.
Note: Replacement Cost Coverage is not available for nonresidential building or contents. All claims will be settled using Actual Cash Value (depreciated cost). Business interruption is NOT an available coverage in the National Flood Insurance Program.
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