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
Contents
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
Lowest Floor Only-Above Ground Level, No Basement/Enclosure
Residential
Non-Residential
Lowest Floor Only-Above Ground Level and Higher Floors,No Basement/Enclosure
Residential
Non-Residential
More Than One Floor, With Basement/Enclosure
Residential
Non-Residential
Manufactured (Mobile)Home
Single Family
Non-Residential
Above Ground Level, More Than One Full Floor
Single Family
2-4 Family
Other Residential
Non-Residential
Lowest floor Only --
Above Ground Level
(No Basement/Enclosure)
Residential
Elevation of Contents
Lowest Floor
Above or Below BFE1
+4 .38/.12
+3 .38/.12
+2 .38/.12
+1 .52/.12
0 1.24/.12
-12 3.74/.75
-2 *******
Note:Limits $20,000/$80,000 for Contents
******* 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, Contents Rates
Lowest floor Only --
Above Ground Level
(No Basement/Enclosure)
Non-Residential
Elevation of Contents
Lowest Floor
Above or Below BFE1
+4 .22/.12
+3 .22/.12
+2 .22/.12
+1 .32/.18
0 .78/.39
-12 2.41/1.10
-2 *******
Note: $130,000/$370,000 for Contents
******* 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, Contents Rates
Lowest Floor Only--
Above Ground Level and Higher Floors
(No Basements/Enclosures)
Residential
Elevation of Contents
Lowest Floor
Above or Below BFE1
+4 .38/.12
+3 .38/.12
+2 .38/.12
+1 .38/.12
0 .69/.12
-12 2.11/.58
-2 *******
Note:Limits $20,000/$80,000 for Contents
******* 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, Contents Rates
Lowest Floor Only--
Above Ground Level and Higher Floors
(No Basements/Enclosures)
Non-Residential
Elevation of Contents
Lowest Floor
Above or Below BFE1
+4 .22/.12
+3 .22/.12
+2 .22/.12
+1 .22/.12
0 .53/.24
-12 1.61/.70
-2 *******
Note:Limits $130,000/$370,000 for Contents
******* 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, Contents Rates
More than One Floor, With Basement/Enclosure
Residential
Elevation of Contents
Lowest Floor
Above or Below BFE1
+4 .38/.12
+3 .38/.12
+2 .38/.12
+1 .38/.12
0 .41/.12
-12 .60/.14
-2 *******
Note:Limits $20,000/$80,000 for Contents
******* 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, Contents Rates
More than One Floor, With Basement/Enclosure
Non-Residential
Elevation of Contents
Lowest Floor
Above or Below BFE1
+4 .22/.12
+3 .22/.12
+2 .22/.12
+1 .22/.12
0 .32/.12
-12 1.06/.14
-2 *******
Note:Limits $130,000/$370,000 for Contents
******* 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, Con-ents Rates
Manufactured (Mobile) Home
Single Family
Elevation of Contents
Lowest Floor
Above or Below BFE1
+4 .38/.12
+3 .38/.12
+2 .38/.12
+1 .59/.12
0 1.27/.12
-12 *******
-2 *******
Note:Limits $20,000/$80,000 for Contents
******* 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, Contents Rates
Manufactured (Mobile)Home
Non-Residential
Elevation of Contents
Lowest Floor
Above or Below BFE1
+4 .22/.12
+3 .22/.12
+2 .31/.14
+1 .49/.19
0 1.15/.58
-12 *******
-2 *******
Note:Limits $130,000/$370,000 for Contents
******* 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, Contents Rates
Above Ground Level
More than One Full Floor
Single Family
Elevation of Contents
Lowest Floor
Above or Below BFE1
+4 N/A
+3 N/A
+2 N/A
+1 N/A
0 N/A
-1 N/A
-2 N/A
Note:Limits $20,000/$80,000 for Contents
******* Submit for Rating
1 If Lowest Floor is -1 because of attached garage, submit application for special consideration. Rate may be lower.
Return to Links to Rate Tables
Regular Program - POST-FIRM Construction Rates -
FIRM Zones AE, A1-A30, Contents Rates
Above Ground Level
More than One Full Floor
2-4 Family
Elevation of Contents
Lowest Floor
Above or Below BFE1
+4 .35/.12
+3 .35/.12
+2 .35/.12
+1 .35/.12
0 .35/.12
-1 .35/.12
-2 .35/.12
Note:Limits $20,000/$80,000 for Contents
******* Submit for Rating
1 If Lowest Floor is -1 because of attached garage, submit application for special consideration. Rate may be lower.
Return to Links to Rate Tables
Regular Program - POST-FIRM Construction Rates -
FIRM Zones AE, A1-A30, Contents Rates
Above Ground Level
More than One Full Floor
Other Residential
Elevation of Contents
Lowest Floor
Above or Below BFE1
+4 .35/.12
+3 .35/.12
+2 .35/.12
+1 .35/.12
0 .35/.12
-1 .35/.12
-2 .37/.12
Note:Limits $20,000/$80,000 for Contents
******* Submit for Rating
1 If Lowest Floor is -1 because of attached garage, submit application for special consideration. Rate may be lower.
Return to Links to Rate Tables
Regular Program - POST-FIRM Construction Rates -
FIRM Zones AE, A1-A30, Contents Rates
Above Ground Level
More than One Full Floor
Non-Residential
Elevation of Contents
Lowest Floor
Above or Below BFE1
+4 .22/.12
+3 .22/.12
+2 .22/.12
+1 .22/.12
0 .22/.12
-1 .22/.12
-2 .24/.12
Note:Limits $130,000/$370,000 for Contents
******* Submit for Rating
1 If Lowest Floor is -1 because of attached garage, submit application for special consideration. Rate may be lower.
Return to Links to Rate Tables
Return to Insurance Rates Homepage
Source: NFIP
Rates Effective: 05/01/08
Web Page Updated: 05/21/08