What is a pre-FIRM Flood Insurance Discount?
Pre-FIRM flood insurance means you can receive discounted flood insurance premiums from the federal government because your house was built before FEMA created a flood map for your property.
For most properties, pre-FIRM flood insurance discounts are available if your property was built before 12/1/1974. The actual date varies a little bit because all the flood maps were not created at the same time, so you’ll have to check with a professional (like MassiveCert) to know the exact date. If your property was built before a builder could have known about the flood risk, then you get a special discount on your flood insurance premiums.