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THE RISK IS REAL 

All it takes is a few inches of water to cause tens 

of thousands of dollars in damage to your home 

and its contents. Without flood insurance, you’d 

have to pay for ruined walls, furniture, floors, 

rugs, baseboards, electronics, and more. Buying 

affordable flood insurance lessens your financial 

burden and makes it faster and easier to repair 

the damage and make your house a home again. 

DON’T WAIT— 


CALL YOUR INSURANCE AGENT TODAY.
 

About 85 insurance companies offer Preferred 

Risk Policies from the National Flood Insurance 

Program, and whichever company you use, it’s 

sold at the same price. 

Typically, there’s a 30 day waiting period from date 

of purchase before your policy goes into effect, 

so pick up the phone and call your insurance agent 

today about purchasing a Preferred Risk Policy. 

PREFERRED RISK POLICY 

Low-cost flood insurance for homeowners and renters. 

A small investment protects 

you from a big problem. FloodSmart.gov/residential 

1-800-427-2419 

F-436

04/2015
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PROTECT WHAT MATTERS 

Every year, thousands of people learn the hard way 

that you don’t need to live near a river or coastline 

to face a flood. Floods are the No. 1 natural disaster 

in the United States, yet only a fraction of homes 

are financially protected with flood insurance against 

the cost of flooding. 

WHY RISK YOUR HOME WHEN: 

•	 Most homes outside of high-risk areas qualify 

for the National Flood Insurance Program’s 

Preferred Risk Policy (PRP). 

•	 PRPs offer the same quality coverage as a 

Standard Flood Insurance Policy, providing 

you with both building and contents options. 

•	 PRPs are available in most communities 

across the country—wherever flood insurance 

is sold and available to homeowners, 

condominium unit owners, and renters. 

People outside of mapped high-risk flood areas 

file nearly 25 percent of all National Flood Insurance 

Program flood insurance claims and receive 

one-third of Federal disaster assistance for 

flooding. The risk is real, wherever you live. 

Most homeowners insurance doesn’t cover flood damage. Federal disaster assistance 

is not always available for flooding—and if it is, it’s usually a loan that must be repaid. 

Isn’t buying a PRP a small price to pay for protection from what could be a big, expensive, 

time-consuming problem? 

PREFERRED RISK POLICY PREMIUM TABLE: 

Effective April 1, 2015 for 

properties currently mapped RESIDENTIAL* in B, C, or X Zones 1, 2, 3 

BUILDING & CONTENTS4 CONTENTS ONLY7 

COVERAGE 

Annual Premium 

COVERAGE 

Annual Premium 

w/o Basement 

or Enclosure5 

w/ Basement 

or Enclosure6 

Contents Above Ground 

Level More Than One Floor 

All Other Locations 

Basement Only not eligible

 $20,000/8,000 $167 $ 137 $8,000 $ 44 $66

 30,000/12,000 203 173 12,000 63 95

 50,000/20,000 262 233 20,000 99 136

 75,000/30,000 311 276 30,000 116 160

 100,000/40,000 342 308 40,000 130 179

 125,000/50,000 359 324 50,000 144 199

 150,000/60,000 380 346 60,000 158 219

 200,000/80,000 421 380 80,000 186 242

 250,000/100,000 452 405 100,000 215 266 

Note: Properties that have been newly mapped into 1 Add a $25 Homeowner Flood Insurance Affordability Act (HFIAA) surcharge for policies covering primary 

a high-risk flood area may qualify for an equivalent residences only if the named insured’s primary residence is a single-family dwelling, an individual condominium 

preferred risk premium through the Properties Newly unit, or an apartment in a non-condominium building. Add a $250 HFIAA surcharge for all other policies. 

Mapped rating option. This premium table does not apply 2 Add the $50 Probation Surcharge, if applicable. to those properties. Contact your agent for a quote. 3 Premium includes a 10% Reserve Fund Assessment and $22 Federal Policy Fee. To qualify for replacement cost claim settlement, a 4 Premium includes ICC Premium of $5 for residential coverage up to $230,000 and $4 for coverage single-family dwelling must be the insured’s principal over $230,000. Deduct this amount if the risk is a condominium unit. residence and be insured to the maximum amount of
 

insurance available under the program or no less than 5 Do not use this section of the table for buildings with crawlspaces or subgrade crawlspaces; see footnote 6.
 

80% of the replacement cost at the time of loss. Use this section of the table if a building elevated on a crawlspace has an attached garage without openings.
 

Note: Contents located entirely in a basement are not 6 Use this section of the table for buildings with crawlspaces or
 

eligible for contents-only coverage. subgrade crawlspaces.
 

* For 1–4 Family . Other residential building 7 Use the contents-only coverage section of the premium table for 

and contents coverage combinations are available. individual residential condominium unit contents-only policies. 

FOR MORE INFORMATION, VISIT FLOODSMART.GOV/RESIDENTIAL OR CALL 1-800-427-2419. 

Residential