In order to make this more nationwide in usage, we have added the zones from all over the US.  National Flood recommends that the contents amounts should reflect 40% of the dwelling amounts. Other combinations are available as well as deductibles.

Knowing the community name and the date of construction can best help anyone find the lowest flood rates for a particular location.  Also, understanding the FIRM date is useful if anyone is trying to Grandfather the policy.

We are making this as user friendly as we can.  The FEMA map store is found under link #18.  The easiest way to find the community and zone is either through a lender or insurance agent who uses these for rating purposes.  But, if you are adventurous you can use this link, type in the address, find the community and current map date, click on the green button and try to find your dwelling on the map shown.  The darker areas are A & V zones, the lighter, B, C & X zones.

The FIRM date is either #20 for Louisiana or #19 for all states.  This date is important to know and understand.  This along with the correct date construction was started can make a big difference in the cost of flood insurance. Accurate information is the key.

The CRS discounts can be found under link #16 for Louisiana or #15 for all states.  This stands for Community rating system and is a discount off of the base rates when the community does more than what FEMA requires for reducing the chance of flooding.

Post-Firm Flood Rates:

Post-Firm Flood Rates: (AE & A1-30)  Flood Elevation Certificate is required

In order to manually figure flood premiums you must know if there is a CRS discount.  This is a credit off of the flood rates.  Link #16 is Louisiana and link #15 nationwide.  When in doubt leave it out! 

Flood rates are in two levels.  When figuring building rates it is up to $50,000 then any amount over is a lower rate.  When it comes to contents it is up to $20,000 and any amount over is a lower rate. And, if it is 2-stories it is a lower rate. 1 ½ is 2-stories, too.

1-story                                                                         2-stories

ICC is $6 & the Federal Fee is $35

Pre-Firm Flood Rates:

Other combinations of dwelling contents and deductibles available. These are rating examples of what the flood insurance rates could be for any location that meets the criteria.

FLOOD RATES EFFECTIVE 5/1/2007 FOR A. AE. A1-A3-. AO, AH & D

O CRS  NO flood elevation certificate is used for these rates.  1-Story & 2-Story have the same rates.

Pre-Firm does not use an elevation certificate.  Pre-Firm means that the dwelling was built before the FIRM date or 12/31/1974 whichever is later.  This date can be found either under #19 or #20.  Subtract the $30 Federal Fee before allowing the CRS discount.  Check #15 or #16 to see if the community qualifies.  See column that says SFHA for percentage discount.   Then add back the Federal Fee.

Standard B, C or X & A99. (Used whenever a policy is being Grandfathered or the Preferred Flood Policy rates cannot be used because of the loss history on the dwelling)

Other combinations of dwelling contents and deductibles available. These are rating examples of what the flood insurance rates could be for any location that meets the criteria.

FLOOD RATES EFFECTIVE 5/1/2007  0 CRS  NO FLOOD ELEVATION IS EVER USED FOR THESE ZONES & THE CRS DISCOUNT is found under link #15 or #16 under column Non-SFHA for percentage.

Subtract the $30 Federal Fee before allowing any CRS discount then add fee back on.  The CRS discount percentage is under #15 or #16 under column Non-SFHA.  Subtract the discount then add the fee back on.