{ "@context": "https://schema.org", "@type": "BlogPosting", "mainEntityOfPage": { "@type": "WebPage", "@id": "https://www.floodinsuranceguru.com/the-flood-insurance-guru-blog/how-much-should-flood-insurance-cost-in-flood-zone-a" }, "headline": "How Much Should Flood Insurance Cost In Flood Zone A?", "description": "Learn why flood insurance in Flood Zone A can be costly due to undetermined base flood elevations and how local floodplain managers or expert guidance can help lower rates.", "image": "https://www.floodinsuranceguru.com/hubfs/flood-insurance-guru-logo.png", "author": { "@type": "Person", "name": "Chris Greene" }, "publisher": { "@type": "Organization", "name": "The Flood Insurance Guru", "logo": { "@type": "ImageObject", "url": "https://www.floodinsuranceguru.com/hubfs/flood-insurance-guru-logo.png" } }, "datePublished": "2019-04-21", "dateModified": "2019-04-21", "articleSection": "Flood Insurance Blog", "keywords": [ "flood zone A insurance cost", "flood insurance rates", "base flood elevation", "FEMA flood insurance", "private flood insurance" ], "articleBody": "Flood insurance can be expensive especially when it comes to 100 year flood zones or flood zone A. Rates depend on how far a structure is below or above the base flood elevation. Since much of flood zone A has an undetermined elevation, FEMA and private carriers set conservative rates. Local floodplain managers may help identify or verify base flood elevations to reduce costs. Letters provided to FEMA have lowered insurance rates in areas like Birmingham AL, Knoxville TN, Nashville TN, Des Moines IA, and Findlay OH. If unsure about your structure’s elevation, reach out to a flood insurance expert like The Flood Insurance Guru." }, { "@context": "https://schema.org", "@type": "FAQPage", "mainEntity": [ { "@type": "Question", "name": "Why is flood insurance in Flood Zone A so expensive?", "acceptedAnswer": { "@type": "Answer", "text": "Flood Zone A often has undetermined base flood elevations, making it harder to compare structures. Because of this, FEMA and private insurers set conservative rates, which increases costs." } }, { "@type": "Question", "name": "What is a base flood elevation (BFE)?", "acceptedAnswer": { "@type": "Answer", "text": "A base flood elevation (BFE) is the computed elevation to which floodwater is anticipated to rise during a base flood. Insurance rates are based on how far a property sits above or below this elevation." } }, { "@type": "Question", "name": "Can flood insurance rates in Zone A be lowered?", "acceptedAnswer": { "@type": "Answer", "text": "Yes. Local floodplain managers can help track down or establish a base flood elevation. Community letters to FEMA showing an elevation have helped lower flood insurance rates in cities across the U.S." } }, { "@type": "Question", "name": "Who can help me with flood insurance in Zone A?", "acceptedAnswer": { "@type": "Answer", "text": "Flood insurance experts like The Flood Insurance Guru, with a background in flood mitigation, can guide you through elevation documentation and policy options to reduce rates." } } ] }, { "@context": "https://schema.org", "@type": "LocalBusiness", "name": "The Flood Insurance Guru", "image": "https://www.floodinsuranceguru.com/hubfs/flood-insurance-guru-logo.png", "@id": "https://www.floodinsuranceguru.com", "url": "https://www.floodinsuranceguru.com", "telephone": "+1-205-451-4294", "email": "flood@floodinsuranceguru.com", "address": { "@type": "PostalAddress", "streetAddress": "155 Bankers Blvd. Suite D200", "addressLocality": "Monroe", "addressRegion": "GA", "postalCode": "30655", "addressCountry": "US" }, "sameAs": [ "https://www.facebook.com/floodinsuranceguru", "https://www.youtube.com/c/thefloodinsuranceguru", "https://www.linkedin.com/company/the-flood-insurance-guru" ] }

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How Much Should Flood Insurance Cost In Flood Zone A?

April 21st, 2019

1 min read

By Chris Greene

Why Is Flood Insurance Expensive in Flood Zone A?

Flood insurance can be costly, especially in high-risk areas like 100-year flood zones or Flood Zone A. One of the main reasons is that flood insurance rates depend on how far a structure is above or below the Base Flood Elevation (BFE).

However, many properties in Flood Zone A have no determined BFE. This creates a challenge because insurance providers, including FEMA and private carriers, have no reference point for elevation-based pricing. As a result, they use conservative estimates, often leading to higher premiums.

Can You Find a Base Flood Elevation for Your Property?

Even if your property doesn’t have a clearly stated BFE, there may still be a way to determine one:

✅ Consult Your Local Floodplain Manager – They may have historical flood data or elevation records.
✅ Request a Community Letter – Some local officials can provide FEMA with a letter establishing a BFE, which can significantly lower flood insurance costs.

These methods have already helped homeowners in cities like Birmingham, AL, Knoxville, TN, Nashville, TN, Des Moines, IA, and Findlay, OH secure better flood insurance rates.

What Should You Do Next?

If you’ve been told there’s no Base Flood Elevation for your property, don’t settle for high premiums. Contact The Flood Insurance Guru, where our flood mitigation experts can help you explore options to lower your rates.

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