Flood Insurance Cost Calculator (NFIP)
For a primary home in a moderate/low-risk zone with $250,000 building coverage, $100,000 contents coverage and a $1,250 deductible, this model estimates $905 a year, or $75 a month. Starting with the $894 national sample premium, the result comprises a $706 adjusted premium, a $127 reserve assessment, the $47 policy fee and a $25 surcharge. This is a planning estimate, not a quote. Choose a state below to use its sample median.
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Disclaimer: This calculator provides estimates for informational purposes only. Results should not be considered financial, tax, or legal advice. Consult a qualified professional for your specific situation.
How this calculator works
The estimate starts from a typical premium: the median of a state's 1,000 most recent NFIP policies effective from January 2025 (FEMA OpenFEMA policy records), or a quote you enter. It scales that premium by your building and contents coverage against the $250,000 / $100,000 Regular Program limits, multiplies it by a zone factor measured on a 5,000-policy national sample (0.84 for X/B/C, 1.14 for A zones, 1.27 for V zones) and lowers it for a higher deductible; the coverage and deductible steps are this site's approximations, not NFIP rate tables. The 18% Reserve Fund Assessment (42 U.S.C. 4017A), the $47 Federal Policy Fee and the HFIAA surcharge are then added, the four parts FEMA counts in a policy's total cost. Under Risk Rating 2.0 a real premium also depends on the building's elevation, distance to water and replacement cost, so treat the result as a planning figure and get a quote.
Source: FEMA OpenFEMA NFIP Redacted Policies (FimaNfipPolicies)
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NFIP flood insurance by state
Each row runs the estimator on the state's median premium with $250,000 building and $100,000 contents coverage, a $1,250 deductible and a primary residence, in a moderate/low-risk zone (X, B, C) and in a Special Flood Hazard Area (A zones). Totals include the 18% reserve assessment, the $47 policy fee and the $25 surcharge.
| State | Median premium | Low-risk zone, per year | Per month | A zone, per year |
|---|---|---|---|---|
| Alabama | $1,012 | $1,015 | $85 | $1,351 |
| Alaska | $260 | $314 | $26 | $401 |
| Arizona | $778 | $797 | $66 | $1,056 |
| Arkansas | $863 | $876 | $73 | $1,164 |
| California | $964 | $970 | $81 | $1,291 |
| Colorado | $748 | $769 | $64 | $1,018 |
| Connecticut | $1,208 | $1,198 | $100 | $1,599 |
| Delaware | $865 | $878 | $73 | $1,166 |
| Florida | $860 | $873 | $73 | $1,160 |
| Georgia | $750 | $771 | $64 | $1,021 |
| Hawaii | $1,204 | $1,194 | $100 | $1,594 |
| Idaho | $926 | $935 | $78 | $1,243 |
| Illinois | $924 | $933 | $78 | $1,240 |
| Indiana | $764 | $784 | $65 | $1,038 |
| Iowa | $871 | $884 | $74 | $1,173 |
| Kansas | $822 | $838 | $70 | $1,112 |
| Kentucky | $1,074 | $1,073 | $89 | $1,430 |
| Louisiana | $920 | $929 | $77 | $1,235 |
| Maine | $972 | $977 | $81 | $1,302 |
| Maryland | $482 | $522 | $44 | $682 |
| Massachusetts | $1,126 | $1,121 | $93 | $1,496 |
| Michigan | $630 | $658 | $55 | $869 |
| Minnesota | $918 | $928 | $77 | $1,233 |
| Mississippi | $1,012 | $1,015 | $85 | $1,351 |
| Missouri | $988 | $992 | $83 | $1,322 |
| Montana | $794 | $812 | $68 | $1,076 |
| Nebraska | $744 | $765 | $64 | $1,012 |
| Nevada | $696 | $721 | $60 | $952 |
| New Hampshire | $1,130 | $1,125 | $94 | $1,501 |
| New Jersey | $1,084 | $1,082 | $90 | $1,443 |
| New Mexico | $916 | $925 | $77 | $1,231 |
| New York | $1,012 | $1,015 | $85 | $1,351 |
| North Carolina | $814 | $831 | $69 | $1,101 |
| North Dakota | $682 | $708 | $59 | $935 |
| Ohio | $728 | $751 | $63 | $992 |
| Oklahoma | $845 | $859 | $72 | $1,141 |
| Oregon | $987 | $991 | $83 | $1,320 |
| Pennsylvania | $1,060 | $1,060 | $88 | $1,412 |
| Rhode Island | $926 | $935 | $78 | $1,243 |
| South Carolina | $816 | $832 | $69 | $1,103 |
| South Dakota | $950 | $957 | $80 | $1,273 |
| Tennessee | $920 | $929 | $77 | $1,235 |
| Texas | $886 | $898 | $75 | $1,192 |
| Utah | $462 | $503 | $42 | $656 |
| Vermont | $1,188 | $1,179 | $98 | $1,574 |
| Virginia | $535 | $570 | $48 | $748 |
| Washington | $886 | $898 | $75 | $1,192 |
| West Virginia | $1,286 | $1,270 | $106 | $1,698 |
| Wisconsin | $670 | $696 | $58 | $919 |
| Wyoming | $812 | $828 | $69 | $1,099 |
Median premium: the 1,000 most recent NFIP policies per state with an effective date on or after January 1, 2025, in the earlier OpenFEMA sample. A state median mixes zones and coverage levels; it is not a quote for a particular property. Coverage limits: 44 CFR 61.6. Look up your zone on the FEMA Flood Map Service Center.
Frequently Asked Questions
How much flood insurance coverage can I get?
For a single-family dwelling in the NFIP Regular Program, the maximum building coverage is $250,000 and the maximum residential contents coverage is $100,000. These are separate limits, not a combined building limit. The table of limits is in 44 CFR 61.6.
How do monthly and yearly estimates compare?
The calculator divides its annual result by 12 and rounds to the nearest dollar. For the national sample example, $905 per year is about $75 per month. This is a comparison, not a payment schedule.
What changes my estimated flood insurance cost?
Choose a state to replace the national sample premium with its state sample median, or enter a premium yourself. The model adjusts for the coverage amounts, zone and deductible, then adds the assessment, policy fee and residence surcharge. A quote can differ because this model does not rate the individual property.
How much does flood insurance cost?
The median premium of recent NFIP policies runs from $260 a year in Alaska to $1,286 in West Virginia; 24 states are above the roughly $894 seen across the samples. With full Regular Program coverage, a $1,250 deductible and a primary residence in a low-risk zone, a median of $894 becomes about $905 a year once the reserve assessment, policy fee and surcharge are added.
Does homeowners insurance cover flood damage?
No. Standard homeowners (HO-3) and renters (HO-4) policies exclude flood in every state. Flood cover is a separate policy from the NFIP or a private flood insurer, and an NFIP policy normally takes effect 30 days after purchase.
Why does a second home cost more to insure against flood?
The HFIAA surcharge is $250 a year on a building that is not your primary residence, against $25 on a primary residence. In the low-risk example above that moves the yearly total from $905 to $1,130.