Q:

How do you use a flood insurance cost estimator?

A:

Quick Answer

Customers can estimate their flood insurance rates by inputting their home's address, city, state, ZIP code and residential status in the "One-Step Flood Risk Profile" tool on FloodSmart.gov, as noted on the site. Customers can also contact a licensed insurance agent to receive flood insurance quotes.

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Full Answer

To use the flood insurance cost estimator on FloodSmart.gov:

  1. Visit the website
  2. Go to the FloodSmart.gov home page.

  3. Complete the profile
  4. To receive a quick quote, customers can complete the required information in the "One-Step Flood Risk Profile" box on the right side of the page. Input the home's address, city, state, ZIP code and residential status and press "Go!" to obtain the quote.

Alternatively, customers can determine their home's risk zone and review the policy rates to determine flood insurance premiums.

  1. Visit the website
  2. Go to the FloodSmart.gov home page.

  3. Click "Flooding & Flood Risks"
  4. Click on the "Flooding & Flood Risks" tab on the left navigation bar.

  5. Click "Defining Flood Risks"
  6. Click on the "Defining Flood Risks" link to learn about the different zones and view available flood maps.

  7. Click "Residential Coverage"
  8. After determining the applicable flood zone, click on the "Residential Coverage" link on the left navigation bar and click the "Policy Rates" subheading to view flood insurance rates for the different zones, as noted on the website.

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