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         U.S. Department of Homeland Security - Federal Emergency Management Agency - National Flood Insurance Program

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			      Buying a Policy
        
    
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FEMA's individualized approach to risk assessment is built on years of investment in flood hazard information.By using current data, flood models, and technology, FEMA considers many risk factors for individual properties, including frequency of flooding, multiple flood types, distance to a flooding source, and property characteristics such as elevation and the cost to rebuild.Mitigation efforts, community programs, and other discounts can help reduce flood damage and, potentially, the cost of flood insurance. This estimator provides discount information on certain rating variables that are generally applied to the building and contents premium.
              Read More
    
          Flood Insurance Mitigation Discount Tool
    Foundation Type
          First Floor Height
          Mitigation Discount
          Total Discount
      Foundation Type
              Info IconFor more information on foundation type, see the NFIP Flood Insurance Manual Section 3. II. C. 3.
            The foundation type of a building is a good indicator for where a flood is likely to begin, and the flood risk involved.
            Select one of the six foundation types that best describes your building:
                Slab on GradeSlab on Grade
                        Info Icon
                  BasementBasement
                        Info Icon
                  CrawlspaceCrawlspace (Including Subgrade Crawlspace)
                        Info Icon
                  Elevated without EnclosureElevated without Enclosure
                      Info Icon
                  Elevated with Enclosure on Posts, Piles, or PiersElevated with Enclosure on Posts, Piles, or Piers
                        Info Icon
                  Elevated with Enclosure Not on Posts, Piles, or Piers (Solid Foundation Walls)Elevated with Enclosure Not on Posts, Piles, or Piers (Solid Foundation Walls)
                        Info Icon
          First Floor Height
              Info IconFor more information on First Floor Height, see the NFIP Flood Insurance Manual Section 3. II. C. 4.
            First Floor Height is the height of the top of the bottom floor above the Lowest Adjacent Grade (LAG). Generally, buildings that are higher off the ground have lower risk.

            0 ft
              Select the approximate height in feet.

          Mitigation Discounts
            FEMA offers certain mitigation discounts to encourage policyholders to take steps that reduce their buildings' flood risk.
            An image showing the height of machinery and equipment related to your selected foundation with red arrow.
              Machinery & Equipment (M&E)
                  Info IconFor more information including specific details on the covered Machinery & Equipment, see the NFIP Flood Insurance Manual Section 3. II. C. 5. a.
                A Machinery & Equipment discount is the mitigation discount for elevating all covered Machinery & Equipment to at least the elevation of the floor above the building's first floor. The (red) arrow indicates where the M&E should be located to be eligible for the discount. Is your building eligible for the Machinery and Equipment Discount?
                Yes
                    No
                Flood Openings
                    Info IconFor specific flood opening requirements, see the NFIP Flood Insurance Manual Section 3. II. C. 5. b.
                  Policyholders may receive a mitigation discount if the building’s enclosure or crawlspace is constructed with proper flood openings or engineered openings with documentation. Flood openings can lower a building’s flood risk as they allow floodwaters to flow through a building’s enclosure or crawlspace. Is your building constructed with proper flood openings or engineered openings?
                    Yes
                      No
          Total Discount
                Info Icon
              Based on the information provided, your building may be eligible for a % discount.
                  An image depicting your selected foundation.Foundation Type:
                  
                
                First Floor Height: 1 ft
                
                Machinery & Equipment (M&E): 
                  
                  Flood Openings:
        Estimated Discount
          0%
            *Discount based on eligibility.
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