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Flood Insurance Rates October 1, 2013

*************AS OF MARCH 2014 CHANGES TO BIGGERT WATERS AFFECTS THIS - PLEASE SEE YOUR INSURANCE AGENT *****************
NFIP posted new flood insurance rates effective October 1, 2013 for Flood Zone AE Single Family Residential Dwellings, non-elevated with no basement or crawl space.  WARNING - these are approximate rates for a certain area and certain conditions.  To get detailed rates you need to contact your insurance agent and have a copy of your elevation certificate to give them.

In general these are the following terms for these rates
1)  These rates are for policies that renew on or after October 1, 2013
2)  These are the fully enforced rates for PRE-FIRM structures(homes built before NFIP Program in your Area - 1974 in St. Tammany Parish).  Rates will increase 25% per year until these full rates are reached.
3) Post-FIRM structures(homes built after NFIP Program in your Area - 1974 in St. Tammany Parish) are exempt from these new rates until
         a) you sell your house
         b) you let your policy lapse
         c) you purchase a new policy after January 2012
         d) New Maps are approved by your jurisdiction
               i) St. Tammany Parish maps are under review currently and could be approved within 1-2 years
               ii) St. Bernard, Orleans and Jefferson Parishes all have new proposed maps that are currently under review

If you have any questions please contact your insurance agent.  Our office can help with your elevation certificates.


Flood Insurance Rate Table