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Do insurance companies or agents use this tool to determine premium rates?

No. This tool was created to help you understand your relative risk level, which is one only element used to determine your premium rates.

Along with flood zone information, agents will review location, the age and design of the building, occupancy, and the amount of coverage requested. Additionally, for buildings located in Special Flood Hazard Areas, agents must consider the elevation of the building in relation to the base flood elevation.

Back to Frequently Asked Questions: Risk Assessment