FLOOD INSURANCE PREMIUM COMPARISONS
Preor
PostFIRM1
Dwelling
Type &
# of Floors
Pre-
Single
Family/
One Floor/
No
Basement
Amount of
Coverage
Build/Content
Deductible
Build/Content
Flood Zone
(in thousands)
Elevation
Difference of
Lowest Floor
and BFE
Cost of Flood
Insurance2
(per year)
(Feet)
$200/$80
$2,000/$2,000
A1-30, AE, AO,
AH, A
Not Needed
(Pre-FIRM)
$2,379
$200/$80
$2,000/$2,000
V1-V30, VE
Not Needed
(Pre-FIRM)
$4,992
$200/$80
$2,000/$2,000
V1-V30, VE
Not Needed
(Pre-FIRM)
$6,853
$200/$80
$1,000/$1,000
D
Not Needed
$2,379
Pre- or
Post-
Single
Family/
One Floor/
No
Basement
$200/$80
$1,000/$1,000
B, C or X
Not Needed
$1,511
Standard Rates
Pre- or
Post-
Single
Family/
One Floor/
No
Basement
$200/$80
$1,000/$1,000
B, C or X
Not Needed
$343
Preferred Risk
Policy3
Post-
Single
Family/
One Floor/
No
Basement
$200/$80
$1,000/$1,000
A1-30, AE
Post1981
Single
Family/
Without
Obstruction
$200/$804
$1,000/$1,000
V1-V30, VE
Single
Family/
With
Obstruction
$200/$804
$1,000/$1,000
V1-V30, VE
+4
+3
+2
+1
At BFE
-1
+4 or more
+3
+2
+1
At BFE
-1
+4 or more
+3
+2
+1
At BFE
-1
$462
$498
$570
$834
$1,651
$5,347
$1,870
$2,106
$2,910
$4,350
$6,950
$9,562
$3,674
$4,086
$4,994
$6,402
$8,658
$11,214
Pre-
Pre-
Pre-
Post1981
1
Single
Family/
Without
Enclosure
Single
Family/
With
Enclosure
Single
Family/
One Floor/
No
Basement
Pre-FIRM – Construction on or before December 31, 1974 or before the effective date of the initial FIRM for the community, whichever is later
Rates are as of October 1, 2011; premiums include the Federal Policy Fee and Increased Cost of Compliance Fee
3
Preferred Risk Eligibility: Starting January 1, 2011, the eligibility period for PRPs was extended. Check the Flood Insurance Manual for the
eligibility rules for being extended and for loss history.
4
Rates based on the building being insured for 75% or more of replacement cost.
2
FLOOD INSURANCE PREMIUM COMPARISONS
Preor
PostFIRM
Dwelling
Type &
# of Floors
Post-
Single
Family/
One Floor/
No
Basement
Amount of
Coverage
Build/Content
Deductible
Build/Content
Flood Zone
(in thousands)
$200/$80
Elevation
Difference of
Lowest Floor
and BFE
Post-
$1,000/$1,000
D
Not Needed
Post-
Post-
Single
Family/
One Floor/
No
Basement
Single
Family/
One Floor/
No
Basement
+5
$200/$80
$200/$80
$200/$80
(per year)
(Feet)
1
Single
Family/
One Floor/
No
Basement
Cost of Flood
Insurance
$1,000/$1,000
$1,000/$1,000
$1,000/$1,000
Unnumbered A
Zone
(No Estimated
BFE)
Unnumbered A
Zone
(With
Estimated
BFE)
Unnumbered A
Zone
(No Elevation
Certificate)
$1,923
$609
1
+2 to +4
1
+1
At Ground or
Below
+2
0 to +1
-1
$1,272
$2,834
Submit-for-Rate
$582
$1,379
$4,852
-2 or Below
Submit for Rate
Unknown
$6,1382
AR and AR Dual Flood Zones
Pre- or
PostFIRM
Dwelling
Type &
# of
Floors
Pre-/
NonElevationRated
Single
Family/
One Floor/
No
Basement
Post-/
NonElevationRated
Single
Family/
One Floor/
No
Basement
Post-
Single
Family/
One Floor/
No
Basement
Amount of
Coverage
Build/Content
(in thousands)
$200/$80
$200/$80
$200/$80
Deductible
Build/Content
Flood Zone
Elevation
Difference of
Lowest Floor
and BFE
(Feet)
$2,000/$2,000
AR, AR/AE,
AR/AH,
AR/AO,
AR/A1-A30,
AR/A
Not Needed (PreFIRM)
$1,511
$1,000/$1,000
AR, AR/AE,
AR/AH,
AR/AO,
AR/A1-A30,
AR/A
Not Needed
$1,511
+3
$498
+2
$570
$1,000/$1,000
AR, AR/AE,
AR/AH,
AR/AO,
AR/A1-A30,
AR/A
+1
$834
At BFE
$1,283
-1 or more Below
$1,511
Cost of Flood
Insurance
(per year)
1 This is the elevation difference between the top of the bottom floor and the highest adjacent grade
2
An Elevation Certificate is required in Unnumbered A Zone for all new business written on or after October 1, 2011. This premium applies only to a
renewal policy for coverage with an original new business date prior to October 1, 2011.