Flood insurance cost in the United States
In the United States, the lowest private flood insurance quote ran $796 a year and the typical private quote ran $1,858. The NFIP quote ran $2,106.
Private and NFIP quotes compared
Where a property was quoted both ways, the lowest private quote came in a median 55% below the NFIP quote, and private was the cheaper option for 82% of those 4,368 properties. The typical private quote came in 4% above NFIP.
Median annual premiums from 60,929 carrier quotes. Lowest is the cheapest private quote a property received, typical is the middle one.
By flood zone and property type
| Group | Lowest private | Typical private | NFIP | Carrier quotes |
|---|---|---|---|---|
| Zone X, B and C (moderate to low risk) | $537 | $919 | $1,141 | 20,123 |
| Zone A, AE, AH and AO (high risk) | $1,029 | $2,670 | $2,674 | 40,131 |
| Zone V and VE (coastal high risk) | $3,260 | $6,248 | $3,895 | 440 |
| Residential properties | $788 | $1,845 | $2,046 | 60,168 |
| Commercial properties | $1,371 | $2,711 | $5,315 | 761 |
How quotes have moved since 2020
- Lowest private quote$672 in 2026
- Typical private quote$1,537 in 2026
- NFIP quote$2,097 in 2026
Dashed lines span years with too few quotes to report a figure.
* 2026 is still in progress and runs through the latest update.
| Year | Lowest private | Typical private | NFIP | Carrier quotes |
|---|---|---|---|---|
| 2020 | $961 | $1,567 | $2,333 | 23,831 |
| 2021 | $1,035 | $1,877 | $2,512 | 24,052 |
| 2022 | $1,224 | $2,275 | n/a | 11,791 |
| 2023 | $1,393 | $2,485 | n/a | 11,600 |
| 2024 | $996 | $2,089 | $1,862 | 23,319 |
| 2025 | $869 | $1,979 | $2,163 | 31,641 |
| 2026* | $672 | $1,537 | $2,097 | 24,236 |
By state
| State | Lowest private | Typical private | NFIP | Lowest private vs NFIP | Carrier quotes |
|---|---|---|---|---|---|
| Florida | $1,528 | $3,362 | $2,228 | 23% lower | 12,877 |
| Texas | $686 | $1,431 | $1,353 | 53% lower | 6,228 |
| New Jersey | $1,029 | $2,617 | $2,765 | 56% lower | 5,632 |
| California | $479 | $985 | $2,031 | 76% lower | 4,475 |
| Pennsylvania | $1,134 | $4,306 | $3,015 | 54% lower | 2,769 |
| New York | $899 | $1,900 | $2,488 | 63% lower | 1,949 |
| Louisiana | $1,038 | $2,243 | $1,818 | 28% lower | 1,869 |
| North Carolina | $606 | $1,394 | $1,230 | 63% lower | 1,824 |
| Tennessee | $684 | $2,150 | $2,580 | 69% lower | 1,431 |
| Georgia | $642 | $1,443 | $1,524 | 62% lower | 1,419 |
| Virginia | $828 | $2,841 | $2,429 | 62% lower | 1,359 |
| Massachusetts | $736 | $2,109 | $2,316 | 59% lower | 1,183 |
| South Carolina | $551 | $1,249 | $1,177 | 57% lower | 1,140 |
| Arizona | $428 | $1,039 | $1,857 | 75% lower | 1,082 |
| Connecticut | $1,445 | $4,106 | $3,904 | 60% lower | 1,055 |
| Indiana | $507 | $982 | $1,372 | 66% lower | 1,040 |
| West Virginia | $721 | $1,647 | $3,950 | 79% lower | 1,000 |
| Washington | $646 | $1,429 | $2,600 | 76% lower | 925 |
| Mississippi | $794 | $1,768 | $2,163 | 49% lower | 867 |
| Illinois | $477 | $1,017 | $1,698 | 74% lower | 843 |
| Alabama | $885 | $1,770 | $2,457 | 63% lower | 765 |
| Missouri | $584 | $1,232 | $2,886 | 69% lower | 716 |
| Colorado | $536 | $2,110 | $2,192 | 61% lower | 715 |
| Michigan | $459 | $761 | $1,049 | 56% lower | 689 |
| Ohio | $529 | $998 | $1,538 | 68% lower | 650 |
| Oregon | $628 | $2,626 | $2,126 | 69% lower | 575 |
| Wisconsin | $727 | $1,537 | $1,866 | 59% lower | 540 |
| Oklahoma | $697 | $2,009 | $2,183 | 75% lower | 476 |
| Nevada | $436 | $908 | $1,115 | n/a | 465 |
| Arkansas | $681 | $983 | $1,999 | 59% lower | 426 |
| New Mexico | $706 | $1,250 | $1,888 | n/a | 377 |
| Maryland | $695 | $1,438 | $1,229 | n/a | 310 |
| Kansas | $680 | $1,464 | $1,759 | n/a | 290 |
| Hawaii | $847 | $1,910 | $4,092 | 78% lower | 272 |
| Nebraska | $432 | $690 | n/a | n/a | 265 |
| New Hampshire | $975 | $1,834 | $3,758 | 68% lower | 263 |
| Maine | $955 | $2,124 | n/a | n/a | 177 |
| Kentucky | $1,036 | $1,460 | $2,548 | 53% lower | 164 |
Only places where at least 20 different properties were quoted in the period are listed.
See what your property is quoted
The index is a median. Your price depends on your flood zone, elevation and coverage. Compare NFIP and private carriers for your address.
Common questions
- How much does flood insurance cost in the United States?
- From Oct 2024 to Oct 2026, the typical private flood insurance quote in the United States was $1,858 a year and the lowest private quote a property received was $796. NFIP quotes ran $2,106. These are medians of quotes run through Insurox, not premiums paid, and your own price depends on your property.
- Is private flood insurance cheaper than NFIP in the United States?
- Where a property was quoted both ways, the lowest private quote came in a median 55% below the NFIP quote, and private was the cheaper option for 82% of those 4,368 properties. The typical private quote came in 4% above NFIP.
- How much does the flood zone change the price in the United States?
- Properties in high-risk A zones were quoted a typical $2,670 a year for private flood insurance, against $919 in moderate to low risk X zones. The lowest quotes ran $1,029 and $537.
- Where do these numbers come from?
- From 60,929 carrier quotes returned to property owners who asked for flood insurance quotes through Insurox between Oct 2024 to Oct 2026. A place is only published when at least 20 different properties were quoted there.
More about flood insurance
- Flood insurance by state: local guides for every state.
- NFIP (FEMA) flood insurance
- Private flood insurance
- Commercial flood insurance
These figures are statistics about quotes, not an offer of insurance. Read how the index is calculated.