Sacramento Property Owners Eligible for Preferred Rate Policy on Flood Insurance

Due to a special program granted by FEMA and the NFIP (National Flood Insurance Program), Sacramento property owners currently required to purchase flood insurance may be eligible for reduced rates comparable to a building located outside of a SFHA (Special Flood Hazard Area). Buildings requiring flood insurance that were once outside of the hazard area, but are now designated in flood zone “A” or “V” and being subjected to high-risk rates may enroll in a program that allows the extension of a lower rate for two years. After which, rates will return to a grandfathered rate. Most houses can be insured with these rates at $250,000 of coverage for $350 a year.

This program doesn’t last forever and it isn’t for everyone. Buildings first located outside of a SFHA, but placed into “A” or “V” flood zones on or after October 1, 2008 and before January 1, 2011 can receive these low rates. Unfortunately, the enrollment period is only written to last until December 31, 2012. A new policy can be written up to 90 days before the previous policy’s expiration date, but must be approved before the end of 2012. Property owners, who have buildings meeting these requirements, are urged to contact us at once, or apply for a quote online!

Our knowledgeable staff will help you understand all of the options that are available to you through the NFIP and how you can lower your premium to a more tolerable rate.

Call us anytime 800-856-8302

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