FEMA Flood insurance across the US
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Flood Insurance Rate Index: United States
Median annual premiums quoted for flood insurance, Oct 2024 to Oct 2026.
- NFIP quote
- $2,090
- Lowest private quote
- $776
- Typical private quote
- $1,799
Where a property was quoted both ways, the lowest private quote came in a median 55% below the NFIP quote. Private was the cheaper option for 82% of those 4,641 properties.
Based on 67,756 carrier quotes through Insurox. Lowest is the cheapest private quote a property received, typical is the middle one. These are statistics, not an offer of insurance. Updated Oct 13, 2026. See the full Flood Insurance Rate Index
