Welcome to our FEMA/NFIP Grandfather Rating Information Summary

FEMA and the National Flood Insurance Program offer two types of premium discounts to policyholders in certain situations when the zone on a FEMA flood map changes.

There are two different sets of discounts. One for buildings that were built prior to the community in which they are located voluntarily began participating in the National Flood Insurance Program. These are referred to as Pre-FIRM. The other discounts apply to buildings built after the Community’s participation. These are referred to as Post-FIRM.

Each Community entered the program voluntarily at different dates. You can always call your local building department to find out the date of your Community’s entry to the program. Then based on the date your building was constructed, you can determine if your building is Pre-FIRM or Post-FIRM, and which types of discounts you may be entitled to.

Pre-FIRM Construction
If a policy was purchased prior to the effective date of a map change, the policyholder is eligible to maintain the prior zone as long as continuous coverage is maintained. The policy can be assigned to a new owner at the option of the policyholder, however if the policy is not assigned, the new owner is not entitled to maintain the prior map zone.

Post-FIRM Construction
If a policy was purchased prior to the effective date of a map change, the policyholder is eligible to maintain the prior zone as long as continuous coverage is maintained. The policy can be assigned to a new owner at the option of the policyholder, however if the policy is not assigned, the new owner is not entitled to maintain the prior map zone.

If a building was constructed in compliance with the prior zone, the owner is always eligible to obtain a policy using the zone at the time it was built, however proof of such, signed by a local building authority is required.

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Home | Our Company | Testimonials | Useful Links | Partners | Careers | Privacy Policy | Contact Us

©2003 The Flood Insurance Agency - All Rights Reserved
Call Us Toll Free - 877-FLOOD-4-U (877-356-6348)
Fax 800-859-2186