Flood Insurance

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Flood insurance is a federally underwritten program that can help you repair or replace your structure and belongings after a flood. The federal government requires most mortgage holders in high-risk areas (known as Special Flood Hazard Areas) to carry flood insurance.

However, if you are newly mapped into a high-risk area, the National Flood Insurance Program (NFIP) has cost-saving options to help reduce the cost of flood insurance. Most property owners can purchase a low-cost Preferred Risk Policy for the first two years after the maps become effective and then after that, grandfather the lower-risk zone for future rating. Property owners should contact their insurance agent for more details.

IF MAPS SHOW: low or moderate flood risk ➔ high risk

A change in rating (risk level) on the floodplain map from low or moderate flood risk to high risk.


Flood insurance is mandatory and will be federally required for most mortgage holders. Insurance costs may rise to reflect the risk.

Preferred Risk Policy (PRP) Extension & “Grandfathering” offers savings. The National Flood Insurance Program (NFIP) has extended the purchase of low-cost PRP for two years for properties newly mapped into a high-risk zone. In addition, are “grandfathering” rules to recognize policyholders having built in compliance with the flood map or who maintain continuous coverage. Insurance agents can provide more details on how to save.

IF MAPS SHOW: high risk ➔ low or moderate risk

A change in rating (risk level) on the floodplain map from high risk to low or moderate risk.


Flood insurance is optional, but recommended.

The risk has only been reduced, not removed. Flood insurance can still be obtained at lower rates. More than 20 percent of all flood insurance claims come from policies in moderate- and low-risk areas.

IF MAPS SHOW: No change in risk level

No change in risk level


No change in insurance rates. Property owners should talk to their insurance agent to learn their specific risk and take steps to protect their property and assets.