What do I need to know?

Everybody has some level of risk from flooding and should consider a certain level of flood insurance coverage. Everyone lives in a flood zone and may be vulnerable to excess rainwater, storms, river levels, and other factors. The NFIP policy premiums are based on a number of factors, including:

  • Flood risk (e.g., your flood zone)
  • The type of coverage being purchased (e.g. building and contents coverage)
  • The deductible and amount of building and contents coverage
  • The location of your structure
  • The design and age of your structure
  • The location of your structure’s contents (e.g. Are your utilities elevated?)