What is a Pre-Firm Home
A pre-firm home is a home or building that was built prior to the effective date of the first flood map for the community. This means that they were built prior to the first flood hazard data and elevation information was provided to the community. Pre-firm homes are generally insured using subsidized rates. This is designed to help people afford flood insurance even though their buildings where built without flood protection in mind. Across California, most communities received their first flood hazard data and elevation information around the late 70's. If your home was built prior to that, it is most likely a pre-firm home. If you home is a pre-firm home then it will not qualify for grandfathering on your California flood insurance under built in compliance since the basis of this type of grandfathering is the fact that the community had flood hazard data and chose to build homes according to the elevation information that was given to them. You will still be able to qualify for the subsidized rating plan to ensure that you maintain a reasonable flood insurance premium. You can also learn more by reading on our flood insurance page at www.bainsandwoodward.com/california-flood-insurance.html .Get your quote online today or call 530.421.8111 License 0G13612.
