Flood insurance cost in Wisconsin
In Wisconsin, the lowest private flood insurance quote ran $727 a year and the typical private quote ran $1,537. The NFIP quote ran $1,866.
Private and NFIP quotes compared
Where a property was quoted both ways, the lowest private quote came in a median 59% below the NFIP quote, and private was the cheaper option for 93% of those 44 properties. The typical private quote came in 29% below NFIP.
Median annual premiums from 540 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 A, AE, AH and AO (high risk) | $739 | $1,985 | $2,135 | 352 |
| Residential properties | $728 | $1,603 | $1,844 | 537 |
How quotes have moved since 2020
- Lowest private quote$695 in 2025
- Typical private quote$1,377 in 2025
- NFIP quote$1,866 in 2025
Dashed lines span years with too few quotes to report a figure.
| Year | Lowest private | Typical private | NFIP | Carrier quotes |
|---|---|---|---|---|
| 2020 | $1,022 | $1,022 | $3,209 | 157 |
| 2021 | $1,139 | $1,259 | $3,182 | 143 |
| 2025 | $695 | $1,377 | $1,866 | 332 |
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 Wisconsin?
- From Oct 2024 to Oct 2026, the typical private flood insurance quote in Wisconsin was $1,537 a year and the lowest private quote a property received was $727. NFIP quotes ran $1,866. 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 Wisconsin?
- Where a property was quoted both ways, the lowest private quote came in a median 59% below the NFIP quote, and private was the cheaper option for 93% of those 44 properties. The typical private quote came in 29% below NFIP.
- Where do these numbers come from?
- From 540 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 Wisconsin
- Flood insurance in Wisconsin: 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.