Name:   GoneFishin - Subject:   FEMA got me Date:   4/30/2014 9:20:35 PM (updated 4/30/2014 9:36:56 PM)

First, the rates for flood insurance are NOT determined by any insurance company. Rather they are set by the government. The different insurance companies write the policy and receive a commission but the government is the underwriter. Here is a web site Floodsmart where you can enter your address and see your flood category set by the map and some indication of rates.

https://www.floodsmart.gov/floodsmart/pages/residential_coverage/policy_rates.jsp