How are rates determined for a flood insurance policy?
Factors considered in determining the premium for flood insurance include:
-Age of the structure
-Amount of coverage purchased
-Building design
-Building occupancy

For those structures located within the Special Flood Hazard Area, the elevation of the structure in relation to the Base Flood Elevation (BFE) is a factor in the premium for flood insurance. Please call 410-638-3103 for more information.

Show All Answers

1. What is a floodplain? How does the floodplain affect my property?
2. My home is located in a floodplain area. What are Harford County’s regulations regarding development or redevelopment in the floodplain?
3. I was told that I need an elevation certificate. What is that form and who is qualified to complete the elevation certificate?
4. I have lived here forever and have never been flooded. Why do I need flood insurance?
5. How can I see Harford County’s flood maps and find out more information?
6. Why did my bank tell me that flood insurance is mandatory?
7. How are rates determined for a flood insurance policy?
8. Where can I find out more about purchasing flood insurance?