Flood insurance cost in Pennsylvania
In Pennsylvania, the lowest private flood insurance quote ran $1,134 a year and the typical private quote ran $4,306. The NFIP quote ran $3,015.
Private and NFIP quotes compared
Where a property was quoted both ways, the lowest private quote came in a median 54% below the NFIP quote, and private was the cheaper option for 82% of those 220 properties. The typical private quote came in 38% above NFIP.
Median annual premiums from 2,769 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) | $520 | $1,225 | $2,900 | 468 |
| Zone A, AE, AH and AO (high risk) | $1,310 | $4,505 | $3,056 | 2,301 |
| Residential properties | $1,108 | $4,288 | $2,907 | 2,722 |
How quotes have moved since 2020
- Lowest private quote$1,181 in 2026
- Typical private quote$4,506 in 2026
- NFIP quote$2,917 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 | $1,248 | $2,929 | $2,231 | 1,476 |
| 2021 | $1,309 | $3,374 | $3,437 | 1,399 |
| 2022 | $1,212 | $3,255 | n/a | 494 |
| 2023 | $1,370 | $3,537 | n/a | 462 |
| 2024 | $1,341 | $3,901 | $3,057 | 739 |
| 2025 | $1,191 | $4,197 | $3,160 | 1,371 |
| 2026* | $1,181 | $4,506 | $2,917 | 1,227 |
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 Pennsylvania?
- From Oct 2024 to Oct 2026, the typical private flood insurance quote in Pennsylvania was $4,306 a year and the lowest private quote a property received was $1,134. NFIP quotes ran $3,015. 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 Pennsylvania?
- Where a property was quoted both ways, the lowest private quote came in a median 54% below the NFIP quote, and private was the cheaper option for 82% of those 220 properties. The typical private quote came in 38% above NFIP.
- How much does the flood zone change the price in Pennsylvania?
- Properties in high-risk A zones were quoted a typical $4,505 a year for private flood insurance, against $1,225 in moderate to low risk X zones. The lowest quotes ran $1,310 and $520.
- Where do these numbers come from?
- From 2,769 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 in Pennsylvania
- Flood insurance in Pennsylvania: what it covers, who needs it and how to get quotes.
- 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 or go back to the national index.