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Grandfathering and the NFIP

Throughout the country, flood maps are changing. For some policyholders this is good news, while for others it can be bad news. As flood maps change, the premiums for flood policies change too. In some cases, a provision referred to as “map grandfathering” can benefit some policyholders and provide them with significant savings on their flood insurance policy. The term “grandfathering” refers to the ability to use a prior map if the premium using the prior map is beneficial to the policyholder.

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