Better Flood

blog 2016 – published June 21st, 2016 The Myth of the 100-Year Flood | Better Flood Insurance

The Flood Nerds Get Flood Insurance and Save Money Too! We Can Save on Average $500 to $1,457 on Annual Flood Insurance Premium. Get A Quote Speak to a Flood Nerd™ 1-866-990-7482 featured on The Myth of the 100-Year Flood There’s an unfortunate misconception about what we mean when we talk about a “100-year flood.” The …

blog 2016 – published June 21st, 2016 The Myth of the 100-Year Flood | Better Flood Insurance Read More »

Fema Flood Insurance for rental property

blog 2023 – published April 18th, 2023 – (Business flood insruance)

The Flood Nerds Get Flood Insurance and Save Money Too! We Can Save on Average $500 to $1,457 on Annual Flood Insurance Premium. Get A Quote Speak to a Flood Nerd™ 1-866-990-7482 featured on Does My Business Need Flood Insurance? April 18th, 2023 Blog When you pour your energy, time, and heart into your business, …

blog 2023 – published April 18th, 2023 – (Business flood insruance) Read More »

Blog 2023 – published April 13th, 2023 – flood zone by address

Get Flood Insurance and Save Money Too! We Can Save on Average $500 to $1,457 on Annual Flood Insurance Premium. Get A Quote Speak to a Flood Nerd™ 1-866-990-7482 featured on Understanding Flood Zones: How Your Address Could Determines Your Risk Whether you’re a homeowner, potential home buyer, real estate agent or property developer, understanding …

Blog 2023 – published April 13th, 2023 – flood zone by address Read More »

blog 2023 – published April 20th, 2023 How to get a flood insurance quote

Are you looking for flood insurance quotes? Let the Flood Nerds help you out. Our expert team has been providing homeowners flood insurance, condo flood Insurance, and rental property flood insurance with tailored solutions for years, so we know just how tricky it can be to navigate this process. That’s why our goal is always to make it …

blog 2023 – published April 20th, 2023 How to get a flood insurance quote Read More »

Is flood zone X good or Bad? Is flood zone AE bad?

Blog 2023 – Published April 13th, 2023 Base Flood Elevation Map

What is BFE (Base Flood Elevation)?

Base Flood Elevation (BFE) refers to the height to which a flood is predicted to reach during the base flood, which has a 1% chance of occurring in any given year. It is based on statistical analysis of river flow, storm tides, hydrologic effects, and rainfall levels. BFE provides a consistent standard for managing floodplain development.

Why does BFE matter?

BFE is used as the regulatory standard for the National Flood Insurance Program (NFIP). It determines the minimum elevation that buildings must be elevated to in order to reduce the risk of flood damage. BFE also impacts flood insurance premiums and a community’s participation in the NFIP. Understanding your property’s BFE helps determine your flood risk.

Finding your BFE:

The Federal Emergency Management Agency (FEMA) provides Flood Insurance Rate Maps (FIRMs) that outline a community’s different flood zones and show BFE data. However, FIRMs may not reflect changes to property and landmarks. Consulting with local floodplain managers, land surveyors, or engineers can provide a more accurate BFE assessment.

Impact of BFE on flood insurance:

Flood insurance rates are determined by a property’s flood zone and relation to the BFE. Rates are lowest for properties well above BFE. Properties below BFE can expect very high premiums. There are private flood insurance alternatives to the NFIP that may offer more competitive pricing.

Building above the base flood elevation:

Constructing new buildings above the BFE provides enhanced flood protection. It also reduces insurance costs compared to building at the BFE level. Many communities require 2-3 feet above BFE for an added factor of safety.

Finding BFEs in Your Town:

Use the FEMA Map Service Center to find your property and identify flood hazards. Cross-reference with local flood maps for greater detail. Work with town building officials to determine requirements related to BFE. A land survey can provide an accurate elevation certificate.

blog 2023 – published April 12th, 2023 – FEMA FLOOD MAPS, Flood zone Map, Flood Map

Hey there! Did you know that flooding is the most common natural disaster in the U.S.? Even a few inches of water can cause enormous damage to your precious property, putting your financial well-being at risk. Don’t wait until it’s too late! We’ve heard countless stories from our clients about how they wished they had …

blog 2023 – published April 12th, 2023 – FEMA FLOOD MAPS, Flood zone Map, Flood Map Read More »

Blog 2023 – published February 28th, 2023 – A 5-Step Commercial Flood Insurance Guide (That ANYONE Can Follow)

Business owners, you’re prime targets for flooding! The devastation from Hurricane Harvey’s flooding caused a shocking $125 billion in damages – leaving many businesses unable to recover. ‘It’s a warning sign of what could happen to your own business if not insured. With climate change causing more floods and rising sea levels, commercial flood insurance is an …

Blog 2023 – published February 28th, 2023 – A 5-Step Commercial Flood Insurance Guide (That ANYONE Can Follow) Read More »

Scroll to Top