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If you were previously in the SFHA (100-year floodplain) and will remain in the SFHA but the study shows an increase in your base flood elevation (BFE), you will want to make sure that you keep your existing policy current as continuous coverage is the key to keeping your current rated base flood elevation for calculating your insurance premiums.  This “grandfathering” of the BFE for rate calculations can be a significant benefit to the policy holder.  

If your BFE will decrease, you should contact your agent and ask them to run a new flood zone determination and provide the information to the company underwriter.  If they are unable to get this information for you, then you should consider having an elevation certificate competed by a local land surveyor.  This will identify where your lowest floor is in relation to the new base flood elevations.  

Recommended steps to reduce your flood insurance premium:

BFE Increases

Step 1

Contact your insurance agent and keep your current policy in force!  Grandfathering rules should apply such that the new maps will not impact your rates.

BFE Decreases

Step 1

Contact your insurance agent now to determine the best approach for your property.

Step 2

Ask your agent about options that might bring your rates down including:

  • Elevation certificate
  • Built-in-compliance
  • Grandfathering
  • Mitigation 

Grandfathering Rules for Properties Already in SFHA

For those properties already in the SFHA (100-year floodplain) and the study shows an increase in flooding depth on your property it is important to keep current on your existing policy so your premium calculations will continue to be calculated on the old “grandfathered” BFE.