| Maximum Policy Limits | |
|---|---|
| Building | $250,000 |
| Contents | $100,000 |
| Deductible Options | $5,000 | $10,000 | $25,000 |
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.
How to Quote
Step 1
Log into Broker Portal
Access the Flow Flood broker portal to get started. New to Flow? Request access to set up your account.
Step 2
CBRA Coverage Qualifier
Answer the coverage qualifier question on the first page of your quote. When asked “Is this building in a CBRA zone?” select Yes to route to the Coastal Protect program.
Step 3
Get a Quote
Receive a Coastal Protect quote instantly through the marketplace. CBRA and V-Zone properties are priced and ready to bind.
CBRA Program Details
| Underwriting Guidelines | |
|---|---|
| Max Replacement Cost | $1,750,000 |
| Foundation Types | All — No Restrictions |
| Elevation Certificate | Optional for Discounted Pricing |
| Prior Losses | Not Allowed |
| Basements or Subgrade Crawlspace | 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 |