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Flood Insurance

Conser Insurance wants our clients to be FloodSmart!

Some flooding statistics you may not be aware of are:
Floods are the #1 natural disaster in the United States.
There is a 26% chance of experiencing a flood during a 30-year mortgage compared to a 9% chance of fire.
20% -25% of NFIP claims occur outside the floodplain.
Floods have caused nearly $8.7 billion in U.S. losses in the last 10 years.

The National Flood Insurance Program (NFIP) offers lower cost protection for residential and commercial properties located in low to moderate risk areas. Preferred Risk Policies (PRP) offer flood protection for properties outside of high-risk areas at substantially lower premiums.

The current rates for property located in PRP zones is as follows:

  • Building / Contents Premium
  • $20,000/ $8,000 $129
  • $30,000/ $12,000 $160
  • $50,000/ $20,000 $211
  • $75,000/ $30,000 $247
  • $100,000/ $40,000 $274
  • $125,000/ $50,000 $294
  • $150,000/ $60,000 $313
  • $200,000/ $80,000 $343
  • $250,000/$100,000 $365

Most homeowners, renters, commercial property owners and lessees in low-to-moderate risk areas (B, C or X zones) are eligible as long as the property doesn’t have a flood loss history.


Most forms of federal disaster assistance require a Presidential declaration.

Federal disaster assistance declarations are awarded in less than 50% of flooding incidents.

The most typical form of disaster assistance is a loan that must be repaid with interest.

The duration of a Small Business Administration Disaster home loan is approximately 30 years.

The average Individuals and all Households Program award is about $4,000.



You are in control. Flood insurance claims are paid even if a disaster is not declared by the President.

Between 20% – 25% of all claims paid by the NFIP are outside of Special Flood Hazard Areas (SFHA)

There is no payback requirement.

Flood insurance policies are continuous, and are not non-renewed (SBA) or cancelled for repeat losses.

Flood insurance reimburses you for covered losses up to $250,000 for homeowners and $500,000 for businesses.

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