Flood Policy Types

You can purchase NFIP flood insurance even in a high-risk flood zone.

Whether your property is located within a low-, moderate-, or high-risk flood zone, it can usually be insured through an NFIP flood insurance policy if it is located within a participating community. However, there are a few exceptions, such as properties located in a federally protected Coastal Barrier Resources Act (CBRA) area.

Preferred Risk Policy (PRP)
Qualifying for a Preferred Risk Policy has nothing to do with your driving record or your credit score. It's simply a lower cost NFIP policy for properties located in low- to moderate-risk flood zones.

Excess Flood Insurance Coverage
After you purchase an NFIP standard or preferred risk flood insurance policy, you may find that you need additional coverage beyond the NFIP maximum of $250,000 for building and $100,000 for personal property contents coverage (emergency program and commercial limits are different). If so, please contact our insurance agency about Excess Flood Coverage.

For complete information about the types of NFIP policies available or to obtain excess flood insurance, we recommend that you talk to our insurance agency at (800) 862-2070 for more information.