Flood Insurance Rate Table

Annual Rates per $100 of Coverage

Note: Rates listed below are split within each category. The first is the Basic Insurance Limit. The second is the Additional Insurance Limit. These limits vary for different coverage options.

Regular Program

POST-FIRM Construction Rates
Buildings

FIRM ZONES AE, A1-A30,

Start of construction or substantial improvement on or before 12/31/74, or before the effective date of the initial Flood Insurance Rate Map (FIRM), whichever is later.
Links to Rate Tables 
One Floor, No Basement/Enclosure
		1-4 Family Structure
		Other Residential and Non-Residential


More Than One Floor, No Basement/Enclosure
		1-4 Family Structure
		Other Residential and Non-Residential


More Than One Floor, With Basement/Enclosure
		1-4 Family Structure
		Other Residential and Non-Residential


Manufactured (Mobile)Home
		Single Family
		Non-Residential

One Floor, No Basement/Enclosure

1-4 Family Structure 
Elevation of                  Building
Lowest Floor
Above or Below BFE1
+4                             .24/ .08
+3                             .24/ .08
+2                             .39/ .08
+1                             .74/ .08
 0                            1.44/ .11
-12                           3.80/1.39
-2                            *******

Note:Limits $50,000/$200,000 for Building,
******* Submit for Rating
1 If Lowest Floor is -1 because of attached garage, submit application for special consideration. Rate may be lower.
2 Use Submit-for-Rate guidelines if the enclosure below the lowest elevated floor of an elevated building or if the crawl space (under-floor space) that has its interior floor 1 to 2 feet below grade on all sides, which is used for rating, is 1 or more feet below BFE.
Return to Links to Rate Tables

Regular Program
POST-FIRM Construction Rates
FIRM ZONES AE, A1-A30, Building Rates
One Floor, No Basement/Enclosure

Other Residential and Non-Residential 
Elevation of                   Building
Lowest Floor
Above or Below BFE1
+4                            .20/ .08
+3                            .20/ .08
+2                            .26/ .08
+1                            .47/ .10
 0                           1.33/ .20
-12                          5.39/1.35
-2                            *******

Note:Limits $150,000/$100,000 for Building.

******* Submit for Rating
1 If Lowest Floor is -1 because of attached garage, submit application for special consideration. Rate may be lower.
2 Use Submit-for-Rate guidelines if the enclosure below the lowest elevated floor of an elevated building or if the crawl space (under-floor space) that has its interior floor 1 to 2 feet below grade on all sides, which is used for rating, is 1 or more feet below BFE.
Return to Links to Rate Tables

Regular Program
POST-FIRM Construction Rates
FIRM ZONES AE, A1-A30, Building Rates

More than One Floor, No Basement/Enclosure

1-4 Family Structure 
Elevation of                   Building
Lowest Floor
Above or Below BFE1
+4                             .24/ .08
+3                             .24/ .08
+2                             .25/ .08
+1                             .48/ .08
 0                            1.05/ .10
-12                          3.34/1.21
-2                            *******

Note:Limits $50,000/$200,000 for Building.

******* Submit for Rating
1 If Lowest Floor is -1 because of attached garage, submit application for special consideration. Rate may be lower.
2 Use Submit-for-Rate guidelines if the enclosure below the lowest elevated floor of an elevated building or if the crawl space (under-floor space) that has its interior floor 1 to 2 feet below grade on all sides, which is used for rating, is 1 or more feet below BFE.
Return to Links to Rate Tables

Regular Program
POST-FIRM Construction Rates
FIRM ZONES AE, A1-A30, Building Rates
More than One Floor, No Basement/Enclosure

Other Residential and Non-Residential 
Elevation of                   Building
Lowest Floor
Above or Below BFE1
+4                            .20/.08
+3                            .20/.08
+2                            .20/.08
+1                            .30/.08
 0                            .81/.15
-12                          3.65/.62
-2                            *******

Note:Limits $150,000/$100,000 for Building.

******* Submit for Rating
1 If Lowest Floor is -1 because of attached garage, submit application for special consideration. Rate may be lower.
2 Use Submit-for-Rate guidelines if the enclosure below the lowest elevated floor of an elevated building or if the crawl space (under-floor space) that has its interior floor 1 to 2 feet below grade on all sides, which is used for rating, is 1 or more feet below BFE.
Return to Links to Rate Tables

Regular Program
POST-FIRM Construction Rates
FIRM ZONES AE, A1-A30, Building Rates
More than One Floor, With Basement/Enclosure

1-4 Family Structure 
Elevation of                   Building
Lowest Floor
Above or Below BFE1
+4                            .24/.08
+3                            .24/.08
+2                            .25/.08
+1                            .32/.08
 0                            .75/.09
-12                          1.90/.67
-2                            *******

Note:Limits $50,000/$200,000 for Building.

******* Submit for Rating
1 If Lowest Floor is -1 because of attached garage, submit application for special consideration. Rate may be lower.
2 Use Submit-for-Rate guidelines if the enclosure below the lowest elevated floor of an elevated building or if the crawl space (under-floor space) that has its interior floor 1 to 2 feet below grade on all sides, which is used for rating, is 1 or more feet below BFE.
Return to Links to Rate Tables

Regular Program
POST-FIRM Construction Rates
FIRM ZONES AE, A1-A30, Building Rates
More than One Floor, With Basement/Enclosure

Other Residential and Non-Residential 
Elevation of                   Building
Lowest Floor
Above or Below BFE1
+4                            .20/.08
+3                            .20/.08
+2                            .20/.08
+1                            .26/.08
 0                            .61/.16
-12                          1.75/.70
-2                            *******

Note:Limits $150,000/$100,000 for Building.

******* Submit for Rating
1 If Lowest Floor is -1 because of attached garage, submit application for special consideration. Rate may be lower.
2 Use Submit-for-Rate guidelines if the enclosure below the lowest elevated floor of an elevated building or if the crawl space (under-floor space) that has its interior floor 1 to 2 feet below grade on all sides, which is used for rating, is 1 or more feet below BFE.
Return to Links to Rate Tables

Regular Program
POST-FIRM Construction Rates
FIRM ZONES AE, A1-A30, Building Rates
Manufactured (Mobile) Home

Single Family 
Elevation of                   Building
Lowest Floor
Above or Below BFE1
+4                            .24/.08
+3                            .25/.08
+2                            .43/.08
+1                            .88/.09
 0                           2.25/.11
-12                           *******
-2                            *******

Note:Limits $50,000/$200,000 for Building.

******* Submit for Rating
1 If Lowest Floor is -1 because of attached garage, submit application for special consideration. Rate may be lower.
2 Use Submit-for-Rate guidelines if the enclosure below the lowest elevated floor of an elevated building or if the crawl space (under-floor space) that has its interior floor 1 to 2 feet below grade on all sides, which is used for rating, is 1 or more feet below BFE.
Return to Links to Rate Tables

Regular Program
POST-FIRM Construction Rates
FIRM ZONES AE, A1-A30, Building Rates
Manufactured (Mobile) Home

Non-Residential 
Elevation of                   Building
Lowest Floor
Above or Below BFE1
+4                            .20/.08
+3                            .22/.08
+2                            .34/.08
+1                            .72/.08
 0                           1.83/.09
-12                           *******
-2                            *******

Note:Limits $150,000/$100,000 for Building.

******* Submit for Rating
1 If Lowest Floor is -1 because of attached garage, submit application for special consideration. Rate may be lower.
2 Use Submit-for-Rate guidelines if the enclosure below the lowest elevated floor of an elevated building or if the crawl space (under-floor space) that has its interior floor 1 to 2 feet below grade on all sides, which is used for rating, is 1 or more feet below BFE.

Return to Links to Rate Tables
Return to Insurance Rates Homepage

Source: NFIP
Rates Effective: 05/01/08
Web Page Updated: 05/21/08