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Flood Insurance
What About Discounts and Savings?
How Are Flood Insurance Rates Established?
Companies selling National Flood Insurance coverage do not set Flood Insurance rates. The Federal Emergency Management Agency (FEMA) provides flood zone information to establish Flood Insurance rates. Once a community's flood risk zones have been determined, and rates established by the Federal Government, all companies offering National Flood Insurance provide coverage at the same price.
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How Can Communities Reduce Their Flood Risk?
The Community Rating System (CRS), a program administered by FEMA, provides incentives for communities that voluntarily take steps to reduce the risk of flooding and to increase the effectiveness of flood protection, above and beyond the minimum actions required for participation in the National Flood Insurance Program (NFIP).
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According to the CRS, community activities to reduce flood risk must meet the three goals of the CRS:
  • Reduce flood losses
  • Facilitate accurate insurance rating and
  • Promote the awareness of flood insurance.

  (FEMA )

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Contact Your Allstate Agent for More Information
Check with an Allstate agent to determine your community's eligibility for Flood Insurance coverage.
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Learn more about Home Insurance in  Tools & Resources 
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The availability, qualifications and amounts of these discounts may vary from state to state. In addition, terms, conditions and exclusions not described above may apply, and total savings may vary depending on the coverages purchased. In some states, we may offer discounts that are not listed here. For more information regarding your eligibility for these savings opportunities, please contact your Allstate agent.
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Home Insurance Considerations 
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