CBRA Zone Flood Insurance
CBRA zones are designated under the Coastal Barrier Resources Act (CBRA) of 1982 to protect environmentally sensitive coastal areas along the U.S. coasts, including the Atlantic, Gulf of Mexico, Great Lakes, Puerto Rico, and the U.S. Virgin Islands. NFIP flood insurance is unavailable in these zones, but Flow Flood Insurance offers a specialized program. With competitive pricing, Flow provides coverage for well-built, elevated properties in CBRA zones, ensuring property owners have the protection they need.
CBRA Program Details
Maximum Policy Limits
Building
$250,000
Contents
$100,000
Deductible Options
$5,000 | $10,000 | $25,000
Underwriting Guidelines
Max Replacement Cost
$2,000,000
Foundation Types
Diagram 5 & 6
Elevation Certificate
Required with Submission
Prior Losses
Not Allowed
Basements or Subgrade Crawlspace
Not Allowed
Manufactured or Mobile Homes
Not Allowed
Houseboats or Docks
Not Allowed
Buildings Over or Partially Over Water
Not Allowed
Buildings With Unrepaired Flood Damage
Not Allowed
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Excluded Territories
Florida: Monroe, Cape San Blas, St George Island, Anna Maria Island, Long Boat Key, Siesta Key, Manasota Key, Don Pedro Island, Boca Grande, Cayo Costa, Sanibel Island, Key West
Iowa: Minot, Davenport, Cedar Rapids, Iowa City
Illinois: 62040, 62060, 62071, 62090, 62201, 62204, 62205, 62206,62207, 62236, 62239, 62240
Louisiana: south of I-10 and I-12
Missouri: St. Charles, St. Louis, Franklin, Warren and Jefferson, Chesterfield Counties
North Carolina: Topsail Beach
North Dakota: Devil’s Lake, Stump Lake
New York: Fire Island