Flood Rates

What does flood insurance cover?
 
This coverage, which is underwritten by the US Government (FEMA), covers damage caused by rising water. Home and business property insurance does not cover this hazard. The price varies substantially based on the elevation of the property relative to the historical flood evaluations. Coverage must be bound 30 days before the flooding occurs in most cases.
 
Should You Consider Flood Insurance?
 
We recommend that you consider this coverage. Many homes and businesses have been flooded in our area within the past few years and many did not have coverage and were not in a flood zone.
 
This coverage, which is underwritten by the US Government (FEMA), covers damage caused by rising water. Home and business property insurance does not cover this hazard. The price varies substantially based on the elevation of the property relative to the historical flood evaluations.
 
The table that follows will allow you to estimate the cost of your coverage if you are in zones B, C and X. If you are not in one of these zones, you will need to get an elevation certificate from a qualified surveyor. This could cost approximately $300.
 
To determine your flood zone, click here on Floodmap. When the web site comes up, follow these steps:

  • Skip Step 1. Step 2 enter property address & zip code, scroll down and click on verify location.
  • Brings up map shows a red * where your property is located. Verify that this is the correct location. If not, go back and re-enter the address and zip code.
  • If information is correct, click Get Flood Map This brings up the property information and the zone.
  • Optional Click view. This brings up the FEMA map.

If you encounter any problems, call us to determine your zone and cost.
 
If one of the following packages meets your needs and you are in zones B, C and X, your premium will be the amount shown in the following table. This is a Preferred Risk Program. You can have no more than one flood loss to qualify. If you desire different coverage amounts please call our office for a quote.
 

Building & Contents Contents Only1,4
Coverage Annual Premium2,3 Coverage     Annual Premium2
  Without Basement or Enclosure   Contents Above Ground (more than one floor) All Other Locations (basement only not eligible)
$20,000/$8,000 $119 $8,000 $39 $58
$30,000/$12,000 $150 $12,000 $55 $82
$50,000/$20,000 $201 $20,000 $86 $118
$75,000/$30,000 $237 $30,000 $100 $137
$100,000/$40,000 $264 $40,000 $112 $154
$125,000/$50,000 $284 $50,000 $124 $171
$150,000/$60,000 $303 $60,000 $136 $188
$200,000/$80,000 $333 $80,000 $160 $208
$250,000/$100,000 $355 $100,000 $184 $228


We recommend that you consider this coverage. Coverage must be bound 30 days before the flooding occurs unless required by a lender. Payments can be made with a Visa or Master Card debit or credit card.
 
This flood information does not provide or affirm coverage of any kind and therefore does not constitute a legally binding contract of insurance. In compliance with the National Flood Insurance Program, this flood quote information is subject to revision pending final verification of all rating data by the company.
 
Please select the tab Online Quotes Get a Quote - Flood Insurance. Complete the requested information and we will give you a quote for flood coverage.