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<br />Flood Insurance Premium Examples
<br />Effective: January 1, 2013
<br />Post-FIRM³ Single Family Residence
<br />Single Family One Story,Post FIRM AE Zone Post FIRM 1981 VE-Zone [No Obstructions RC .75+]
<br />No Basement/Enclosure
<br />$250,000 Building Coverage$250,000 Building Coverage
<br />Lowest Floor Elevation Building Coverage Building Coverage
<br />With $100,000 Contents Coverage With $100,000 Contents Coverage
<br />DifferenceOnlyOnly
<br />Flood Insurance PremiumFlood Insurance Premium
<br />3 feet above$376 $561 $2,403 $2,923
<br />2 feet above$448 $633 $3,278 $4,048
<br />1 foot above$660 $845 $4,728 $5,918
<br />At Base Flood $1,359 $1,724 $6,803 $8,603
<br />1 foot below$4,527 $5,255 $9,003 $11,583
<br />2 feet below$5,924 $8,308 $12,074 $15,764
<br />3 feet below$7,204 $10,554 $15,524 $20,474
<br />4 feet below$9,551 $14,370 $17,334 $23,304
<br />6 feet below$18,830 $28,535 $23,449 $32,019
<br />Pre-FIRM² Single Family - Primary Residence
<br />Single Family One Story,Pre FIRM AE-Zone Pre FIRM VE-Zone
<br />No Basement/Enclosure
<br />$250,000 Building Coverage$250,000 Building Coverage
<br />Building Coverage Building Coverage
<br />With $100,000 Contents Coverage With $100,000 Contents Coverage
<br />OnlyOnly
<br />Flood Insurance PremiumFlood Insurance Premium
<br />$2,014 $3,289 $4,375 $7,173
<br />Pre-FIRM² Single Family - Secondary Residence [ Non-Primary¹]
<br />Single Family One Story,Pre FIRM AE-Zone Pre FIRM VE-Zone
<br />No Basement/Enclosure
<br />$250,000 Building Coverage$250,000 Building Coverage
<br />Building Coverage Building Coverage
<br />With $100,000 Contents Coverage With $100,000 Contents Coverage
<br />OnlyOnly
<br />Flood Insurance PremiumFlood Insurance Premium
<br />$2,242 $3,652 $4,886 $8,001
<br />Notes:
<br />¹ Non-Primary Residence Defined: For Rating Purposes Only, FEMA defines a non-primary residence as a building that will not be lived in by the insured
<br />or the insured's spouse for at least 80%
<br />²Pre-FIRM Defined: A building for which construction or substantial improvement occurred on or before December 31, 194, or before the effective date of
<br />an initial Flood Insurance Rate Map (FIRM)
<br />³Post-FIRM Defined: A building for which construction or substantial improvement occurred after December 31, 1974, or on or after the effective date of
<br />an initial Flood Insurance Rate Map (FIRM)
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