Premium Increases and Surcharges
Overall, premiums will increase from an estimated average of $866 per policy to $935, for an average increase of 8.0 percent.

Premium increases effective April 1, 2018, comply with the requirements of the Biggert- Waters Flood Insurance Reform Act of 2012 (BW-12) and the Homeowner Flood Insurance Affordability Act of 2014 (HFIAA).
Rate Changes
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Pre-FIRM Subsidized Policies
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Other Subsidized Policies
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Vzones
V Zones (coastal high-velocity zones)
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A Zones
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X Zones
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Miscellaneous
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The following premium changes will be effective April 1, 2018. The average premium increase for all NFIP policies is 8 percent. FEMA is continuing its efforts to align premiums with true risk.
Primary Residences: The combined premium increase for all primary residence policies in these zones is 5 percent, with a total increase of 5 percent.   Other Pre-FIRM Subsidized Policies Not Subject to 25 Percent Annual Increases: These are primarily condominium policies and multifamily policies. Premiums will increase 5 percent, with a total increase of 5 percent. Non-Primary Residences: The combined premium increase for non-primary residence policies in these zones is 24 percent, with a total increase of 22 percent. Other Pre-FIRM Subsidized Policies Subject to 25 Percent Annual Increases as required by BW-12: Premiums will increase slightly less than 25 percent, primarily due to the impact of rounding. The overall increase for these categories is about 23 percent.
Pre-FIRM Subsidized Policies (a group of policies in SFHA Zones A, AO, AH, A1-30, AE, A99, AR, AR/A1-30, AR/AE, AR/AO, AR/AH, AR/A, V1-30, and VE, that receive rates insufficient to pay the anticipated losses and expenses for that group)
A99 Zones (i.e., zones in which flood protection systems are still in the process of being constructed) and AR Zones: Premium changes for those AR and A99 zone policies that are not eligible to use PRP premiums will be effective April 1, 2018. Premiums for these policies will increase 2 percent, with a total increase of 1 percent. Premium increases for A99 and AR zone policies eligible for the PRP are described below.
Other Subsidized Policies
Rate increases are being implemented again this year as a result of the Heinz Center’s Erosion Zone Study, which clearly indicates that current rates significantly underestimate the increasing hazard from steadily eroding coastlines. Post-FIRM V Zones: Premiums will increase 11 percent, with a total increase of 11 percent.
V Zones (coastal high-velocity zones)
Post-FIRM A1-A30 and AE Zones: Premiums will increase 1 percent, with a total increase of 1 percent. AO, AH, AOB, and AHB Zones (shallow flooding zones): Premiums will remain unchanged. Unnumbered A Zones (remote A Zones where elevations have not been determined): Premiums will increase 3 percent, with a total increase of 2 percent.
A Zones (non-velocity zones, which are primarily riverine zones)
Standard-Rated Policies: Premiums will increase 2 percent, with a total increase of 1 percent.
X Zones (zones outside the Special Flood Hazard Area)
Group Flood Insurance Policies (GFIPs): No change. Tentative and Provisional Rates: No change.
Mortgage Portfolio Protection Program (MPPP): No change
Increase Cost of Compliance (ICC) Rate Increase: Although FEMA previously stated there would be no changes, after consideration it was determined that changes are necessary. For more information, reference
Miscellaneous
FEMA is restructuring the ICC premium table in the Rating Section of the Flood Insurance Manual to clarify the different building amount of insurance available to 1-4 family buildings and other residential buildings.
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Table of Contents
01. Impact of Changes - What to expect
01. Impact of Changes - What to expect
02. What are the changes?
Clarifications
Clarifications
Clarifications
Table of Contents
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