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Flood Pricing


Flood Pricing

Published Friday, March 9, 2018


The flood premium for your home is based upon many factors, the biggest being the zone in which the property is located.  A property near a natural body of water will likely have a higher rate than one far away.

If you are in a zone susceptible to flooding, you likely had to buy flood insurance when you took out your mortgage.  But if you didn’t have to buy flood insurance then, you are likely in a zone where there is low to moderate risk of flood.

Pricing for all insurance products is based upon the simple premise that if the risk is higher, the price is greater.  So it goes for flood.  This is good news if your property is in a low risk zone—your premium will be less!

Here are some sample premiums to give you an idea of flood pricing:

  • Zone X (low risk), $250,000 building limit, $100,000 contents limit:  $37.50 per month.
  • Zone X (low risk), $100,000 building limit, $100,000 contents limit:  $32.00 per month.

So for less than a tank of gas, you could protect your home in the event of a flood.

Check out your property’s flood zone.

Want specific pricing on your home?  Click here.

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Aren’t we all trying to save some money? 

When you go insurance shopping, it’s smart to look at more than just the price.

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