Preferred Risk Policy (PRP)

The Preferred Risk Policy (PRP) is a lower-cost alternative available for properties located in Zones B, C, X, AR, or A99 in a Regular Program NFIP community that meet certain loss history requirements. For these policies, the NFIP offers fixed policy combination limits for building/contents or contents-only coverage.

This is a great alternative for homeowners located in low-risk zones who are not required to purchase flood insurance because they do not have a federally backed loan on their property.