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

Unnumbered A Zones

Without Basement/Enclosure¹

(Start of construction or substantial improvement AFTER 12/31/74, or AFTER the effective date of the initial Flood Insurance Rate Map (FIRM), whichever is later.)

Occupancy 
1-4 Family
Building Rates          Type of Elevation Certificate

Elevation Difference
to Nearest foot

+5 or more         .36/.10        No Estimated Base Flood Elevation³
+2 to +4          1.09/.13        No Estimated Base Flood Elevation³
+1                2.09/.64        No Estimated Base Flood Elevation³
O or below         *******        No Estimated Base Flood Elevation³

+2 or more         .41/ .08        With Estimated BFE⁴
0 to +1           1.06/ .12        With Estimated BFE⁴
-1                3.48/1.30        With Estimated BFE⁴
-2 or below        *******         With Estimated BFE⁴

No Elevation
Certification     4.06/1.42        No Elevation Certificate

Limits $50,000/$200,000 for Residential Building

Occupancy 
Other & Non-Residential
Building Rates          Type of Elevation Certificate

Elevation Difference
to Nearest foot

+5 or more         .48/.15        No Estimated Base Flood Elevation³
+2 to +4          1.00/.20        No Estimated Base Flood Elevation³
+1                2.25/.75        No Estimated Base Flood Elevation³
O or below         *******        No Estimated Base Flood Elevation³

+2 or more          .34/.09       With Estimated BFE⁴
0 to +1             .91/.18       With Estimated BFE⁴
-1                4.41/1.02       With Estimated BFE⁴
-2 or below        *******        With Estimated BFE⁴

No Elevation
Certification     5.51/1.70        No Elevation Certificate

Limits $150,000/$100,000 for Residential Building
Limits $150,000/$350,000 for Non-Residential Building

Occupancy 
Residential²
Contents Rates          Type of Elevation Certificate

Elevation Difference
to Nearest foot

+5 or more         .62/.12        No Estimated Base Flood Elevation³
+2 to +4           .87/.17        No Estimated Base Flood Elevation³
+1                1.54/.57        No Estimated Base Flood Elevation³
O or below         *******        No Estimated Base Flood Elevation³

+2 or more         .51/.12        With Estimated BFE⁴
0 to +1            .85/.16        With Estimated BFE⁴
-1                2.71/.70        With Estimated BFE⁴
-2 or below        *******        With Estimated BFE⁴

No Elevation
Certification    3.36/1.00        No Elevation Certificate

Limits $20,000/$80,000 for Residential Contents

Occupancy 
Non-Residential²
Contents Rates          Type of Elevation Certificate

Elevation Difference
to Nearest foot

+5 or more         .65/.12        No Estimated Base Flood Elevation³
+2 to +4           .98/.23        No Estimated Base Flood Elevation³
+1                1.46/.72        No Estimated Base Flood Elevation³
O or below         *******        No Estimated Base Flood Elevation³

+2 or more         .49/ .12       With Estimated BFE⁴
0 to +1            .84/ .21       With Estimated BFE⁴
-1                2.20/1.02       With Estimated BFE⁴
-2 or below        *******        With Estimated BFE⁴

No Elevation
Certification    3.24/1.35        No Elevation Certificate

Limits $130,000/$370,000 for Non-Residential Contents

Notes:
¹ Zones A building with basement (including crawl space below grade on all sides) or enclosure -- Submit for Rating.
² For elevation rated risks other than Single Family, when contents are located one floor or more above lowest floor used for rating -- use .18/.12.
³ Elevation difference is the measured distance between the highest adjacent grade next to the building and the lowest floor of the building.
⁴ Elevation difference is the measured distance between the estimated BFE provided by the community or registered professional engineer, surveyor, or architect and the lowest floor of the building.
*******Submit for Rating

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