Preferred Flood Premium
 
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Residential Flood Coverage
$1000 Deductible

Building & Contents 1 Contents Only 1,4
Annual Premium 2,3 Annual Premium 2
Coverage w/o Basement or Enclosure w/ Basement or Enclosure Coverage Contents Above Ground (more than one floor) All Other Locations (Basement-Only Not Eligible)
$20,000/8,000 $129 $174 $8,000 $55 $77
$30,000/12,000 181 209 12,000 73 104
50,000/20,000 238 267 20,000 108 145
75,000/30,000 279 313 30,000 124 166
100,000/40,000 310 344 40,000 138 185
125,000/50,000 332 366 50,000 151 205
150,000/60,000 354 388 60,000 165 224
200,000/80,000 388 427 80,000 192 246
250,000/100,000 412 458 100,000 219 269

Business Flood Coverage 1,2,3,4
$1000 Deductible

Building & Contents Contents Only
Coverage Annual Premium w/Basement or Enclosures w/o Basement or Enclosures Coverage Above Ground Level More Than One Floor All Other Locations (Basement-Only Not Eligible)
$50,000/50,000 $1,014 $641 $50,000 $183 $392
100,000/100,000 1,729 1,014 100,000 268 584
150,000/150,000 2,319 1,324 150,000 353 776
200,000/200,000 2,754 1,635 200,000 437 968
250,000/250,000 3,127 1,884 250,000 522 1,161
300,000/300,000 3,500 2,132 300,000 607 1,353
350,000/350,000 3,873 2,319 350,000 692 1,545
400,000/400,000 4,183 2,505 400,000 776 1,737
500,000/500,000 4,805 2,878 500,000 946 2,121

1 Add the $50.00 Probation Surcharge, if applicable.
2 Premium includes Federal Policy Fee of $20.00.
3 Premium includes ICC premium 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.

Note. All non-residential Condominium buildings, are eligible for preferred Risk Policy. Individual non-residential condominium units are only eligible for contents-only coverage. In addition, individual residential condominium unit owners in non-residential condominium buildings are only eligible for contents coverage. The deductibles apply separately to building contents. Building deductible, $1,000. Contents deductible, $1,000.
 


The National Flood Insurance Program (NFIP) is managed by the Federal Emergency Management Agency (FEMA), a component of the U.S. Department of Homeland Security (DHS).

FEMA

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