Flood Insurance Mitigation Discount Tool

FEMA's individualized approach to risk assessment is built on years of investment in flood hazard information.

By using current data, flood models, and technology, FEMA considers many risk factors for individual properties, including frequency of flooding, multiple flood types, distance to a flooding source, and property characteristics such as elevation and the cost to rebuild.

Mitigation efforts, community programs, and other discounts can help reduce flood damage and, potentially, the cost of flood insurance. This estimator provides discount information on certain rating variables that are generally applied to the building and contents premium.

Foundation Type
For more information on foundation type, see the NFIP Flood Insurance Manual Section 3. II. C. 3.

The foundation type of a building is a good indicator for where a flood is likely to begin, and the flood risk involved.

Select one of the six foundation types that best describes your building:

Mitigation Discounts

FEMA offers certain mitigation discounts to encourage policyholders to take steps that reduce their buildings' flood risk.

An image showing the height of machinery and equipment related to your selected foundation with red arrow.

Machinery & Equipment (M&E)
For more information including specific details on the covered Machinery & Equipment, see the NFIP Flood Insurance Manual Section 3. II. C. 5. a.

A Machinery & Equipment discount is the mitigation discount for elevating all covered Machinery & Equipment to at least the elevation of the floor above the building's first floor. The (red) arrow indicates where the M&E should be located to be eligible for the discount. Is your building eligible for the Machinery and Equipment Discount?

Yes

Flood Recovery

Flood Insurance Mitigation Discount Tool