FAQ: What is the grandfathering rule, and how can it help me?


The National Flood Insurance Program or NFIP has "grandfathering" rules to recognize policyholders who have built in compliance with the flood map in place at the time of construction or who maintain continuous coverage. These rules allow such policyholders to benefit in the premium rating for their buildings. However, property owners should always use the new map if it will provide them with a more favorable premium.



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