Flood Insurance Mitigation Discount Tool
FEMA's individualized approach to risk assessment is built on years of investment in flood hazard information.
By using current data, flood models, and technology, FEMA considers many risk factors for individual properties, including frequency of flooding, multiple flood types, distance to a flooding source, and property characteristics such as elevation and the cost to rebuild.
Mitigation efforts, community programs, and other discounts can help reduce flood damage and, potentially, the cost of flood insurance. This estimator provides discount information on certain rating variables that are generally applied to the building and contents premium.
Flood Insurance Mitigation Discount Tool
Foundation Type
For more information on foundation type, see the NFIP Flood Insurance Manual Section 3. II. C. 3.
The foundation type of a building is a good indicator for where a flood is likely to begin, and the flood risk involved.
First Floor Height
For more information on First Floor Height, see the NFIP Flood Insurance Manual Section 3. II. C. 4.
First Floor Height is the height of the top of the bottom floor above the Lowest Adjacent Grade (LAG). Generally, buildings that are higher off the ground have lower risk.
ft
Mitigation Discounts
FEMA offers certain mitigation discounts to encourage policyholders to take steps that reduce their buildings' flood risk.
![An image showing the height of machinery and equipment related to your selected foundation with red arrow.](https://www.floodsmart.gov/modules/custom/discount_estimator/assets/img/0-indicator.png)
Machinery & Equipment (M&E)
For more information including specific details on the covered Machinery & Equipment, see the NFIP Flood Insurance Manual Section 3. II. C. 5. a.
Total Discount
Based on the information provided, your building may be eligible for a % discount.
![An image depicting your selected foundation.](assets/img/0.png)
Foundation Type: First Floor Height: 1 ft Machinery & Equipment (M&E):
Estimated Discount
*Discount based on eligibility.