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

PRE-FIRM Construction

Rates

(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. If FIRM Zone is unknown, use rates for Zone A, AE, A1-A30, AO, AH, D)

FIRM ZONES A, AE, A1-A30, AO, AH, D

Go to Rates for Pre-FIRM Construction, FIRM Zones A99, B, C, X

Single Family Structure

Building Type             Building        Contents
No Basement/Enclosure      .76/.54         .96/.97
With Basement              .81/.79         .96/.81
With Enclosure             .81/.96         .96/.97
Mobile Home                .76/.54         .96/.97
Note:Limits $50,000/$200,000 for Building,
$20,000/$80,000 for Contents

2-4 Family Structure

Building Type             Building
No Basement/Enclosure      .76/ .54
With Basement              .81/ .79
With Enclosure             .81/ .96

Contents Location         Contents
Basement & Above           .96/ .81
Enclosure & Above          .96/ .97
Lowest Floor only -
Above Ground Level         .96/ .97
Lowest Floor Above Ground
Level & Higher Floors      .96/ .67
Above Ground Level - More
than One Full Floor        .35/ .12
Note:Limits $50,000/$200,000 for Building,
$20,000/$80,000 for Contents

Other Residential

Building Type             Building
No Basement/Enclosure      .76/ 1.12
With Basement              .81/  .93
With Enclosure             .81/ 1.18

Contents Location         Contents
Basement & Above           .96/ .81
Enclosure & Above          .96/ .97
Lowest Floor only -
Above Ground Level         .96/ .97
Lowest Floor Above Ground
Level & Higher Floors      .96/ .67
Above Ground Level - More
than One Full Floor        .35/ .12
Note:Limits $50,000/$200,000 for Building,
$20,000/$80,000 for Contents

Non-Residential

Building Type             Building
No Basement/Enclosure      .83/1.07
With Basement              .88/1.05
With Enclosure             .88/1.33
Mobile Home                .83/1.07

Contents Location         Contents
Basement & Above          1.62/1.81
Enclosure & Above         1.62/2.17
Lowest Floor only -
Above Ground Level        1.62/ .95
Lowest Floor Above Ground
Level & Higher Floors     1.62/ .81
Above Ground Level - More
than One Full Floor        .24/ .12
Mobile Home               1.62/ .95
Note:Limits $150,000/$350,000 for Building,
$130,000/$370,000 for Contents

Regular Program --PRE-FIRM Construction Rates

FIRM Zone A99, B, C, X

Go to Rates for Pre-FIRM Construction, FIRM Zones A, AE, A1-A30, AH, D

Single Family Structure

Building Type             Building        Contents
No Basement/Enclosure      .78/.21        1.20/.37
With Basement              .89/.30        1.36/.43
With Enclosure             .89/.34        1.36/.49
Mobile Home                .78/.38        1.20/.37
Note:Limits $50,000/$200,000 for Building,
$20,000/$80,000 for Contents

2-4 Family Structure

Building Type             Building
No Basement/Enclosure      .78/.21
With Basement              .89/.30
With Enclosure             .89/.34

Contents Location         Contents
Basement & Above          1.53/.56
Enclosure & Above         1.53/.65
Lowest Floor only -
Above Ground Level        1.20/.59
Lowest Floor Above Ground
Level & Higher Floors     1.20/.37
Above Ground Level - More
than One Full Floor        .35/.12
Note:Limits $50,000/$200,000 for Building,
$20,000/$80,000 for Contents

Other Residential

Building Type             Building
No Basement/Enclosure      .74/.21
With Basement              .95/.30
With Enclosure             .95/.34

Contents Location         Contents
Basement & Above          1.53/.56
Enclosure & Above         1.53/.65
Lowest Floor only -
Above Ground Level        1.20/.59
Lowest Floor Above Ground
Level & Higher Floors     1.20/.37
Above Ground Level - More
than One Full Floor        .35/.12
Note:Limits $150,000/$350,000 for Building,
$20,000/$80,000 for Contents

Non-Residential

Building Type             Building
No Basement/Enclosure      .74/.21
With Basement              .95/.30
With Enclosure             .95/.34
Mobile Home                .95/.39

Contents Location         Contents
Basement & Above          1.58/.61
Enclosure & Above         1.58/.73
Lowest Floor only -
Above Ground Level         .97/.43
Lowest Floor Above Ground
Level & Higher Floors      .97/.31
Above Ground Level - More
than One Full Floor        .22/.12
Mobile Home                .85/.53
Note:Limits $150,000/$350,000 for Building,
$130,000/$370,000 for Contents

Return to Insurance Rates Homepage

Source:NFIP
Rates Effective: 05/01/08
Web Page Updated: 05/020/08