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Policy Rates
The following provides sample policy premiums for different amounts of coverage. If you have questions or are ready to purchase flood insurance, contact an agent.
Moderate- to Low-Risk Areas
Many properties in moderate- to low-risk areas, where flood insurance is not required, will qualify for lower-cost Preferred Risk Policy rates.
Email me when this page is updated| Building & Contents 4 | Contents Only 7 | ||||
|---|---|---|---|---|---|
| Coverage | Annual Premium | Coverage | Annual Premium | ||
| Without Basement or Enclosure6 | With Basement or Enclosure5 | Contents Above Ground | All Other Locations | ||
| $20,000/ $8,000 | $146 | $177 | $8,000 | $48 | $71 |
| $30,000/ $12,000 | $184 | $215 | $12,000 | $68 | $101 |
| $50,000/ $20,000 | $246 | $277 | $20,000 | $106 | $145 |
| $75,000/ $30,000 | $291 | $327 | $30,000 | $123 | $169 |
| $100,000/ $40,000 | $324 | $360 | $40,000 | $138 | $189 |
| $125,000/ $50,000 | $341 | $378 | $50,000 | $153 | $210 |
| $150,000/ $60,000 | $364 | $400 | $60,000 | $168 | $231 |
| $200,000/ $80,000 | $400 | $442 | $80,000 | $196 | $255 |
| $250,000/ $100,000 | $425 | $474 | $100,000 | $226 | $280 |
Rates effective April 1, 2016
These PRP rates are for 1-4 Family Residential. Other residential building and contents coverage combinations are available.
1 Add a $25 Homeowner Flood Insurance Affordability Act of 2014 (HFIAA) surcharge for policies covering primary residences only if the named insured's primary residence is a single-family dwelling, an individual condominium unit, or an apartment in a non-condominium building. Add a $250 HFIAA surcharge for all other policies.
2 Add the $50 Probation Surcharge, if applicable.
3 Premium includes a 15% Reserve Fund Assessment and $25 Federal Policy Fee.
4 Premium includes Increased Cost of Compliance of $5 for residential coverage up to $230,000 and $4 for coverage over $230,000. Deduct this amount if the risk is a condominium unit.
5 Use this section of the table for buildings with crawl spaces or subgraded crawl spaces, including those with an attached garage that have proper openings.
6 Use this section of the table for buildings or subgrade crawl spaces with an attached garage without proper openings.
7 Use the contents-only coverage section of the premium table for individual residential condominium unit contents-only policies.
Note: Properties that have been newly mapped into a high-risk flood area may qualify for an equivalent PRP rate through the Newly Mapped procedure rating option. This premium table does not apply to those properties. Contact your agent for a quote.
Note: To qualify for a replacement cost settlement, a single-family dwelling must be the insured's principal residence and 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.
Note: Contents located entirely in a basement are not eligible for contents-only coverage.
Rates in high-risk areas (Zones A and V) are calculated based on a variety of factors, including elevation and building construction. You can purchase policies for contents only, building only, or both contents and building coverage. Talk to a licensed insurance agent to determine the premium for your specific property.
When considering the cost of a flood insurance policy, consider what not having a policy might cost you.
Questions for Your Agent
A lot of things determine which policy is best for you, so if you have questions, now's the time to ask.
Find an Agent in Your Area
If you're looking for an agent, here is a quick, handy tool to help you get started.
What's My Flood Risk?
Visit FEMA's Flood Map Service Center to locate your flood map to help determine your flood risk.
500 C Street SW, Washington, D.C. 20472
Disaster Assistance: (800) 621-FEMA, TTY (800) 462-7585
U.S. Department of Homeland Security