COBRA zone (or CBRA), was established under the Coastal Barrier Resources Act of 1982, to protect environmentally sensitive coastal areas along the Atlantic Coast, Great Lakes, Gulf of Mexico, Puerto Rico, and the U.S. Virgin Islands. NFIP flood insurance is not available in these zones, but at Secure Flood Solutions we offer several private CBRA flood insurance programs with competitive pricing.
Factors that influence CBRA Zone flood coverage and premiums include:
- Property location and eligibility:Because NFIP policies are not available in CBRA zones, private insurers evaluate location and eligibility independently.
- Building elevation and construction:Elevated or reinforced structures may reduce risk and result in lower private insurance premiums.
- Property details:Factors such as size, age, foundation type, and building materials can all affect available coverage and pricing.
- Flood risk and history:Properties with prior flood events or in particularly vulnerable coastal areas may face higher rates or limited coverage options.
At Secure Flood Solutions, we provide customized CBRA Zone flood insurance designed for properties within federally protected coastal areas. Not every agency understands the unique challenges of CBRA zones—but getting it right is crucial. Our team helps property owners navigate coverage options, understand unique CBRA restrictions, and secure reliable protection through specialized private flood programs—offering peace of mind even where NFIP coverage isn’t available.