Private Market Flood Insurance across the US
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Flood Insurance Rate Index: United States
Median annual premiums quoted for private flood insurance, Oct 2024 to Oct 2026.
- Lowest private quote
- $777
- Typical private quote
- $1,802
| By flood zone | Lowest | Typical |
|---|---|---|
| Zone X, B and C (moderate to low risk) | $514 | $878 |
| Zone A, AE, AH and AO (high risk) | $1,028 | $2,674 |
| Zone V and VE (coastal high risk) | $3,260 | $6,221 |
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 14, 2026. See the full Flood Insurance Rate Index
