re: Building in Flood Zone A

Your rate is based on how high your structure is vs. the BFE. The higher you go above the BFE the cheaper the insurance.

0 = structure is at BFE = average rate
+1 = structure is 1' above BFE = better rate than 0
+2 = structure is 2' above BFE = better rate than +1.
-1 = structure is 1' below BFE = worse rate than 0

FEMA maps do change over time so this means today you can be a +2 but ten years from now you might be in a +1.

I don't know if this is still a fact but FEMA rounds off to the nearest foot for rating even though the EC is in tenths of feet.

This means 0.6' above the BFE is rated at a +1 and 1.6 is rated at a +2.

Please note local governments, city or parish can have higher elevations requirements than the FEMA maps. This is called freeboard. Check with the local Floodplain manager for this info.

Is there any way to get the zone X rate


read this

LINK .