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How does my flood zone effect flood insurance premium?

flood zone effect flood insurance premium

It’s true. The flood zone your home is located in will impact your flood insurance premium.

There are four different types of flood zones mandated by the national flood insurance program, and they are A, B, C, X.

“A” rated flood zones are considered high risk and carry the most expensive premiums. Flood zones B, C, and X, however, are considered low to moderate risk and the premiums are much lower relative to zone “A”.

According to, the average premium for $250,000 in building coverage and $100,000 in personal property in a lower risk flood zone is $405 a year. Not bad.

Please be aware that more financial institutions will mandate a flood insurance policy for all “A” rated flood zones in addition to your NY home insurance.

Watch this video “How does my flood zone effect flood insurance premium?” for more details:

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This is video #14 of a 100 insurance video series that The Murray Group is producing to provide insurance consumers with quick, valuable answers to their everyday insurance questions.

If you have additional questions regarding flood zones or if you would like to discuss and receive a quote for a flood insurance policy, use the link: Contact Murray Group Insurance Expert

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Disclaimer: This article is for informational purposely only. There is no legal advice being suggested or proffered and the author assumes no responsibility or liability for the actions taken or not taken by the readers based upon such information.

created by Ryan Hanley