Flood insurance cost estimator
Estimate annual flood insurance costs based on your flood zone, coverage needs, and property type.
Flood insurance cost estimator
Estimate NFIP or private flood insurance costs based on your property and flood zone.
Find your flood zone on the FEMA Flood Map Service Center at msc.fema.gov
NFIP maximum: $250,000 for residential buildings
NFIP maximum: $100,000 for residential contents
This is an estimate for informational purposes only based on national and state averages. Actual rates vary by insurer and individual circumstances. For an accurate quote, contact a licensed insurance agent.
How flood insurance is priced
The NFIP uses a risk-rating system (Risk Rating 2.0) that prices flood insurance based on each property individually — considering flood type, frequency, distance to water sources, and first-floor elevation relative to the Base Flood Elevation (BFE). Properties above the BFE pay less; properties below it pay substantially more. Elevation certificates can document your elevation and potentially reduce your premium.
Flood zones and what they mean
Zone X is the safest designation — outside the 500-year floodplain with minimal flood risk. Zone A and AE are Special Flood Hazard Areas with a 1% annual chance of flooding. Zone V and VE are coastal high-hazard areas that include wave action, which increases risk and premiums significantly. Find your flood zone using the FEMA Flood Map Service Center — enter your address to see your official designation.
NFIP limits and the private market
NFIP caps residential building coverage at $250,000 and contents at $100,000. For homes worth more, you need excess flood coverage through the private market. Private flood insurers can also offer broader coverage terms and sometimes lower premiums, particularly in lower-risk zones. The private market has grown significantly and is worth comparing before defaulting to NFIP.