The flood maps changes in many Massachusetts communities means your flood risk may become higher or lower. This will affect what you pay for flood insurance.
Flood maps have become more accurate over the past several years as mapping technology has improved and Congress has determined to transition away from highly subsidized rates.
Here are some scenarios that explain different flood map changes:
Scenario 1: If the flood maps change from a low or moderate risk to high risk (flood zone B, C, or X) to zone A, AE, AR, A99, AH or AO).
These requirements and options apply to Scenario 1 according to the National Flood Insurance Program:
Scenario 2: The flood maps show a change from high flood risk zone to a low or moderate risk (flood zone A, AE, AR, A99, AH, AO to X or shaded X)
These requirements or options apply:
Scenario 3: The flood maps show an increase in the Base Flood Elevation (BFE).
These requirements or options apply to scenario 3.
Scenario 4: No change in flood zone risk level .
These requirements or options apply.
Our agency is happy to assist with securing or reviewing flood insurance coverage. Learn more about your flood insurance options here.
We are local insurance experts serving the South Shore for over 70 years.
Click below to get a free quote for your personal or business insurance.