![]() One of the most effective ways to lower your flood insurance premium is to reduce your home’s risk of flood damage in the first place. ![]() Here are some ways to get a cheaper rate: Reduce your home’s flood riskįlood insurance rates are based mostly on where your home is located and how much flood risk exists in your area. Fortunately, there are ways that you can lower your flood insurance premium. How to lower your flood insurance premiumįlood insurance can be expensive, especially if you live in a high-risk flood zone. Additionally, homes that have elevated utilities, pipes, and wiring systems are usually cheaper to insure.
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