How can I reduce the cost of my flood insurance?
If your home is built high enough you can ask FEMA to remove it from the flood zone. Or if your home qualifies, you can get a lower insurance rate by “grandfathering in.”

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1. FEMA is asking my insurance agent for documentation regarding my flood zone. Why and how do I respond?
2. Why do I have to pay flood insurance if my property has never been flooded?
3. How can I reduce the cost of my flood insurance?
4. How can I get my property out of the flood zone?
5. What is a Base Flood?
6. What is the Base Flood Elevation (BFE)?
7. Does my home qualify for a grandfather flood insurance policy?
8. What is a Special Flood Hazard Area (SFHA)?
9. Will FEMA grant a LOMA for a detached garage if the garage floor is below the BFE but the building is wet-flood proofed?
10. Where can I obtain a copy of the Flood Insurance Rate Map (FIRM)?
11. Who do I call if I have more questions about flood insurance?