The finding
Flood insurance cost by state, measured on the 2,392,835 single-family primary homes with a one-year National Flood Insurance Program policy in force on 31 March 2026, runs from a median of $367 a year in Alaska to $1,467 in Connecticut. The national median is $1,022. Florida, which holds 769,155 of those homes, sits below it at $963, yet 3 of the 10 most expensive counties (Charlotte, Monroe and Lee) are in Florida (FEMA OpenFEMA).
Headline figures
In this report
- Every state ranked
- Florida: a low median and the costliest coasts
- Inside and outside the high-risk zone
- What the bill is made of
- How bills spread
- Coverage bought and the price per $1,000
- Deductibles
- County medians
- Condos, second homes, businesses and territories
- Method
- Reproduce this
- What this does not show
- Questions this report answers
- Sources
Key findings
- The median single-family primary home with NFIP cover pays $1,022 a year; the middle half of bills runs from $704 to $1,241 (FEMA OpenFEMA, n = 2,392,835).
- Connecticut has the highest state median at $1,467 and Alaska the lowest at $367, a 4.0 times gap across 50 ranked jurisdictions (FEMA).
- Florida’s median of $963 ranks 29th of 50, below the national median, but its mean of $1,334 ranks 11th: a long tail of costly policies sits on top of many cheap ones (FEMA).
- Inside the high-risk zone (A and V zones) the median is $1,101; outside it is $925, only 1.19 times as much. In 6 ranked states (California, Idaho, Arkansas, Arizona, Montana, Nebraska) the median inside the zone is lower than outside it (FEMA).
- Fees and surcharges make up 20.3% of what these homes pay. The reserve fund assessment alone equals 18.0% of premium at the median (FEMA OpenFEMA).
- 76.4% of these homes carry $250,000 of building cover, the highest amount in the file. Where homes buy less, the price per $1,000 of cover climbs: West Virginia pays $14.26 per $1,000 against $4.34 nationally (FEMA).
- Second homes pay more than primary homes: the single-family non-primary median is $1,280, and 99.9% of those policies carry the $250 HFIAA surcharge instead of $25 (FEMA).
Every state ranked
The table ranks 50 jurisdictions (states and the District of Columbia) by the median yearly cost of a single-family primary home’s NFIP policy. A state is ranked when it has at least 1,000 such policies; Wyoming (918) fell short and is left out of the ranking. The all-policies column is the median across every contract in the state, including condos, businesses and second homes, and is shown for context only because its mix differs from state to state. Source: FEMA OpenFEMA FimaNfipPolicies v2.
| Rank | State | Homes | Median | Mean | Middle half | In high-risk zone | All policies, median |
|---|---|---|---|---|---|---|---|
| 1 | Connecticut | 15,103 | $1,467 | $1,969 | $1,071 to $2,322 | 74% | $1,644 |
| 2 | Hawaii | 6,206 | $1,286 | $1,949 | $1,081 to $2,611 | 61% | $1,660 |
| 3 | West Virginia | 5,423 | $1,263 | $1,563 | $958 to $1,900 | 80% | $1,494 |
| 4 | Massachusetts | 21,031 | $1,238 | $1,528 | $839 to $1,770 | 73% | $1,475 |
| 5 | New Hampshire | 2,624 | $1,205 | $1,617 | $916 to $1,935 | 62% | $1,391 |
| 6 | Vermont | 1,580 | $1,205 | $1,608 | $885 to $2,034 | 59% | $1,525 |
| 7 | New York | 82,197 | $1,200 | $1,516 | $878 to $1,763 | 61% | $1,311 |
| 8 | New Jersey | 62,418 | $1,197 | $1,457 | $887 to $1,691 | 79% | $1,370 |
| 9 | Pennsylvania | 25,547 | $1,194 | $1,422 | $822 to $1,656 | 65% | $1,286 |
| 10 | Kentucky | 10,125 | $1,132 | $1,400 | $815 to $1,665 | 80% | $1,313 |
| 11 | Rhode Island | 5,128 | $1,129 | $1,296 | $794 to $1,549 | 63% | $1,221 |
| 12 | South Dakota | 1,625 | $1,122 | $1,260 | $810 to $1,374 | 63% | $1,162 |
| 13 | Mississippi | 31,646 | $1,107 | $1,269 | $900 to $1,484 | 67% | $1,192 |
| 14 | Illinois | 17,654 | $1,094 | $1,273 | $763 to $1,476 | 66% | $1,182 |
| 15 | Alabama | 17,765 | $1,086 | $1,277 | $872 to $1,420 | 65% | $1,207 |
| 16 | Minnesota | 4,129 | $1,082 | $1,215 | $712 to $1,371 | 50% | $1,161 |
| 17 | Louisiana | 296,868 | $1,081 | $1,171 | $852 to $1,233 | 49% | $1,083 |
| 18 | Oregon | 10,867 | $1,066 | $1,225 | $746 to $1,328 | 66% | $1,156 |
| 19 | Texas | 443,852 | $1,063 | $1,080 | $786 to $1,087 | 28% | $1,079 |
| 20 | Missouri | 8,205 | $1,049 | $1,245 | $614 to $1,446 | 69% | $1,194 |
| 21 | Tennessee | 13,951 | $1,046 | $1,173 | $695 to $1,318 | 54% | $1,095 |
| 22 | California | 102,763 | $1,040 | $1,160 | $732 to $1,234 | 64% | $1,082 |
| 23 | Oklahoma | 5,806 | $1,020 | $1,137 | $709 to $1,250 | 58% | $1,081 |
| 24 | Kansas | 4,331 | $1,012 | $1,120 | $686 to $1,358 | 66% | $1,075 |
| 25 | Iowa | 5,078 | $1,010 | $1,122 | $686 to $1,269 | 62% | $1,171 |
| 26 | New Mexico | 7,648 | $1,004 | $1,247 | $707 to $1,400 | 69% | $1,075 |
| 27 | Idaho | 2,900 | $1,003 | $1,105 | $728 to $1,228 | 69% | $1,084 |
| 28 | Washington | 16,527 | $997 | $1,161 | $700 to $1,273 | 69% | $1,084 |
| 29 | Florida | 769,155 | $963 | $1,334 | $655 to $1,337 | 61% | $1,068 |
| 30 | Georgia | 46,842 | $953 | $1,048 | $689 to $1,162 | 50% | $1,010 |
| 31 | Arkansas | 6,380 | $950 | $1,104 | $681 to $1,238 | 73% | $1,066 |
| 32 | Maine | 2,758 | $948 | $1,230 | $591 to $1,358 | 54% | $1,254 |
| 33 | Arizona | 12,530 | $937 | $1,055 | $686 to $1,139 | 66% | $1,007 |
| 34 | Indiana | 11,129 | $918 | $1,070 | $669 to $1,233 | 73% | $998 |
| 35 | Wisconsin | 6,511 | $907 | $1,082 | $616 to $1,244 | 59% | $999 |
| 36 | Montana | 2,254 | $905 | $1,109 | $629 to $1,256 | 72% | $996 |
| 37 | Delaware | 8,175 | $902 | $1,057 | $616 to $1,240 | 56% | $1,167 |
| 38 | North Carolina | 66,269 | $900 | $1,020 | $650 to $1,181 | 50% | $1,036 |
| 39 | Nebraska | 4,441 | $887 | $995 | $635 to $1,200 | 80% | $994 |
| 40 | Ohio | 14,840 | $870 | $1,049 | $602 to $1,233 | 67% | $1,002 |
| 41 | South Carolina | 90,834 | $863 | $1,002 | $616 to $1,084 | 50% | $961 |
| 42 | North Dakota | 4,374 | $850 | $984 | $612 to $1,204 | 50% | $900 |
| 43 | Nevada | 5,859 | $841 | $916 | $688 to $1,046 | 74% | $877 |
| 44 | Colorado | 7,999 | $828 | $1,030 | $556 to $1,202 | 44% | $1,035 |
| 45 | Michigan | 12,511 | $781 | $939 | $603 to $1,093 | 74% | $865 |
| 46 | Virginia | 57,734 | $743 | $904 | $545 to $1,081 | 53% | $831 |
| 47 | Utah | 2,482 | $604 | $744 | $443 to $896 | 39% | $714 |
| 48 | Maryland | 22,947 | $564 | $676 | $421 to $805 | 47% | $713 |
| 49 | District of Columbia | 1,027 | $384 | $415 | $349 to $452 | 16% | $430 |
| 50 | Alaska | 1,942 | $367 | $424 | $342 to $409 | 48% | $402 |
Two things stand out. First, the spread between states is narrower than the spread inside them. The gap between the highest and lowest state medians is $1,100, while the middle half of Hawaii homes alone spans $1,081 to $2,611. Second, some large markets are tightly bunched: among states with at least 10,000 such homes, Texas has the narrowest middle half, $786 to $1,087. Source: FEMA OpenFEMA.
7 of the 10 most expensive states are in the Census Bureau’s Northeast region. That is not the same as the most flood claims: the states that file the most NFIP claims are covered in our flood claims by state report, and the share of homes that buy a policy at all is in the flood insurance take-up map. A state’s median price says what a typical policyholder there pays, not how many homes are covered; how many disaster-hit households held flood cover at all is in the disaster insurance gap report. Source: FEMA OpenFEMA.
Florida: a low median and the costliest coasts
Florida is the NFIP’s largest state market: 1,149,013 contracts, 32.3% of all contracts in force, and 39.0% of insured units once condo master policies are counted by unit (FEMA OpenFEMA). Its single-family primary median of $963 still ranks only 29th of 50.
The reason is in the shape of the distribution, not the middle of it. Florida’s mean of $1,334 is $371 above its median and ranks 11th nationally. Outside the high-risk zone, 298,841 Florida homes pay a median of $789; inside it, 470,288 pay $1,060. Among counties with at least 1,000 such homes, the Florida entries in the national top 10 are Charlotte ($1,927), Monroe ($1,837) and Lee ($1,532). Source: FEMA OpenFEMA.
For contractors and local officials the practical point is that a statewide figure for Florida averages over two very different markets. A typical outside-zone policy and a typical policy in its costliest coastal counties sit far apart, and the county table below separates them. Source: FEMA OpenFEMA.
Inside and outside the high-risk zone
The data dictionary defines ratedFloodZone as the zone “derived from the Flood Insurance Rate Map (FIRM) used to rate the insured property”. Zones beginning with A or V are Special Flood Hazard Areas, the high-risk zones; B, C and X are moderate or minimal hazard. Of the cohort, 53.5% sit in a high-risk zone and 46.4% outside one; 813 carry zone D or no zone. Source: FEMA OpenFEMA.
Nationally the high-risk zone median is only 1.19 times the outside median. In 6 ranked states the order flips and homes inside the zone pay a lower median than homes outside it. At the other end, the largest gaps are in Massachusetts ($1,533 against $794), Hawaii ($1,934 against $1,083), Delaware ($1,141 against $648). Source: FEMA OpenFEMA.
This fits how the policies are priced. 99.2% of all contracts in force carry the rate method “RatingEngine”, which the dictionary describes as “Risk Rated policies where FEMA calculates the rates based on various risk factors”. FEMA’s Risk Rating 2.0 pages say rates now reflect each building’s own flood risk rather than the map zone alone. Across the ranked states, the rank correlation between a state’s share of homes in the high-risk zone and its median cost is 0.35 (Spearman), a modest link. The zone still decides who must buy a policy as a loan condition; it no longer decides the price on its own. Source: FEMA OpenFEMA.
What the bill is made of
The figure this report calls cost is the policyCost field, which the dictionary defines as “calculated in dollars by adding together calculated premium, reserve fund assessment, federal policy fee, and HFIAA surcharge”. We checked that sum on every row: it reconciles exactly for 3,555,151 of 3,555,151 contracts. The Increased Cost of Compliance (ICC) premium is not added on top; the sum balances without it, so it sits inside the premium figure, with a median of $21 in the cohort. Source: FEMA OpenFEMA.
Premium is 79.7% of what these homes pay. The rest, 20.3%, is charges set outside the risk rate: the reserve fund assessment (14.3%), the federal policy fee (3.9%) and the surcharge from the Homeowner Flood Insurance Affordability Act of 2014 (2.1%). The median home pays $217 a year in these three items combined. Every cohort policy carries a $47 federal policy fee, 2,392,527 carry a $25 HFIAA surcharge, and the reserve fund assessment equals 18.0% of premium at the median. Source: FEMA OpenFEMA.
Scaled up to the whole program, the current-term bills on all 3,527,061 one-year contracts in force add up to $5.52 billion. That is a snapshot of what policyholders were paying on 31 March 2026, not FEMA’s written premium for a year. Source: FEMA OpenFEMA.
How bills spread
48.3% of these homes pay under $1,000 a year and one in ten pays more than $2,073. The tail is long but thin: 28,911 homes (1.2%) pay $5,000 or more, and the highest single-family primary bill in the file is $13,614. The mean, $1,212, sits above the median because of that tail, which is why this report leads with medians. Source: FEMA OpenFEMA.
Coverage bought and the price per $1,000
A cheap policy can simply be a small one. 76.4% of single-family primary homes carry $250,000 of building cover, the highest value in the file and the NFIP maximum for a home under the National Flood Insurance Act (42 U.S.C. 4013). 81.8% also carry contents cover, with a median of $100,000, which is also the largest contents amount in the file. Source: FEMA OpenFEMA.
Dividing cost by cover reorders the states. West Virginia pays $14.26 per $1,000 of building cover against $4.34 nationally, because only 21% of its homes carry the $250,000 amount. Alaska is lowest at $1.50. Across ranked states the rank correlation between the share at the maximum and the price per $1,000 is -0.70 (Spearman): states that buy less cover pay more for each dollar of it. Source: FEMA OpenFEMA.
For restoration work, the building limit is the ceiling on what an NFIP claim can pay toward the structure. Where most homes carry less than the maximum, large flood repairs are more likely to exceed the insured amount; the insured flood loss gap report measures how far real losses run past insurance. Source: FEMA OpenFEMA.
Deductibles
buildingDeductibleCode records the building deductible as a code; the dictionary maps each code to a dollar amount. 51.9% of single-family primary homes carry a $1,250 deductible and 30.8% a $2,000 one. Source: FEMA OpenFEMA.
| Building deductible | Code | Homes | Share | Median cost |
|---|---|---|---|---|
| $1,250 | F | 1,241,209 | 51.9% | $979 |
| $2,000 | 2 | 735,950 | 30.8% | $1,075 |
| $5,000 | 5 | 253,989 | 10.6% | $1,237 |
| $10,000 | A | 96,841 | 4.0% | $1,409 |
| $1,000 | 1 | 40,482 | 1.7% | $631 |
| $1,500 | G | 24,364 | 1.0% | $772 |
Read the last column with care. Homes with higher deductibles show higher median costs here, the reverse of the usual pattern for a single policy, where a higher deductible lowers the premium. The homes that choose large deductibles differ in value and risk from those that do not, so the column describes who chooses what. It is not an estimate of what changing a deductible saves; only a quote for the specific building can show that. Source: FEMA OpenFEMA.
County medians
257 of the 3,062 county codes in the cohort have at least 1,000 single-family primary policies and are ranked. 5,600 cohort policies carry no county code and are left out of this section. The dictionary warns that countyCode “may not reflect the individual county the property is located” in, so treat county figures as approximate. Source: FEMA OpenFEMA.
The 10 most expensive counties
| County | Homes | Median | In high-risk zone |
|---|---|---|---|
| Passaic, New Jersey | 1,743 | $1,953 | 85% |
| Charlotte, Florida | 22,839 | $1,927 | 86% |
| Monroe, Florida | 11,502 | $1,837 | 95% |
| Middlesex, Connecticut | 1,278 | $1,644 | 79% |
| New London, Connecticut | 1,639 | $1,618 | 75% |
| Suffolk, Massachusetts | 1,194 | $1,549 | 83% |
| Lee, Florida | 54,750 | $1,532 | 79% |
| Marin, California | 3,313 | $1,513 | 83% |
| New Haven, Connecticut | 3,570 | $1,482 | 78% |
| Honolulu, Hawaii | 4,186 | $1,474 | 61% |
The 10 least expensive counties
| County | Homes | Median | In high-risk zone |
|---|---|---|---|
| District of Columbia | 1,027 | $384 | 16% |
| Montgomery, Maryland | 1,846 | $444 | 7% |
| Somerset, Maryland | 1,185 | $452 | 95% |
| Bossier, Louisiana | 3,509 | $456 | 77% |
| Prince George’s, Maryland | 1,945 | $491 | 39% |
| Rapides, Louisiana | 2,087 | $511 | 54% |
| Newport News, Virginia | 1,172 | $531 | 33% |
| Anne Arundel, Maryland | 3,721 | $537 | 37% |
| Ouachita, Louisiana | 3,234 | $552 | 64% |
| West Baton Rouge, Louisiana | 1,175 | $575 | 19% |
The cheapest counties are not all low-risk places by zone: 4 of the 10 have a majority of homes in the high-risk zone and still post medians far below the national $1,022. Connecticut policies still use the eight county codes retired in 2022, so its counties appear under their former names. Counties with many repeat claims are mapped in our repetitive flood loss properties report. Source: FEMA OpenFEMA.
Condos, second homes, businesses and territories
The cohort above is deliberately narrow. The table covers every contract in force by occupancy type. policyCount matters here: the dictionary says condo association master policies “are stored as a single policy contract but insure multiple units and therefore represent multiple policies”. 73,132 contracts carry a policyCount above 1 and together insure 1,159,414 units; the largest single contract covers 1,203. Source: FEMA OpenFEMA.
| Occupancy type | Code | Contracts | Insured units | Median per contract | Median per unit |
|---|---|---|---|---|---|
| Single-family home (not a mobile home or a unit) | 11 | 2,879,164 | 2,879,164 | $1,063 | $1,063 |
| Non-residential building | 18 | 237,427 | 237,427 | $2,215 | $2,215 |
| Single residential unit in a multi-unit building | 16 | 120,070 | 120,070 | $623 | $623 |
| Condo association building (master policy) | 15 | 105,185 | 1,191,467 | $2,400 | $902 |
| Residential building of 2 to 4 units, all units | 12 | 96,849 | 96,849 | $1,243 | $1,243 |
| Residential mobile or manufactured home | 14 | 56,839 | 56,839 | $994 | $994 |
| Residential building of 5 or more units, all units | 13 | 53,664 | 53,664 | $1,787 | $1,787 |
| Non-residential unit in a multi-unit building | 19 | 5,215 | 5,215 | $1,175 | $1,175 |
| Non-residential mobile or manufactured home | 17 | 738 | 738 | $1,100 | $1,100 |
A condo master policy has a median cost of $2,400 per contract but $902 per insured unit. Single-family second homes (476,954 contracts) pay a median of $1,280, $258 more than primary homes, and 99.9% of them carry the $250 HFIAA surcharge. 28,200 contracts are Group Flood Insurance Policies (rate method G), which the dictionary lists separately. Source: FEMA OpenFEMA.
| Territory | Single-family primary homes | Median | All contracts |
|---|---|---|---|
| Puerto Rico | 3,433 | $431 | 6,368 |
| US Virgin Islands | 415 | $413 | 1,079 |
| Guam | 77 | fewer than 100 | 172 |
| Northern Mariana Islands | 2 | fewer than 100 | 3 |
Method
How we counted. We pulled every FEMA NFIP policy contract in force on 31 March 2026 from OpenFEMA FimaNfipPolicies v2: policies whose effective date is on or before that day and whose termination date is after it. The pull ran per effective day (1,916 daily files) and returned 3,555,151 unique contracts, equal to the server’s own in-force count for that filter, across 55 state and territory codes. Why 31 March 2026: the file loads with a lag, and FEMA’s deprecation notice says the v2 data is frozen as of 1 June 2026. In-force counts from the same API decline gently to 31 March 2026 and then drop sharply (30 June 2025: 3,684,249; 30 September 2025: 3,648,187; 31 December 2025: 3,587,250; 31 March 2026: 3,555,151; 30 June 2026: 3,320,992), because later months are incomplete. The headline cohort keeps single-family homes (occupancyType 11) that are a primary residence, rated by the Risk Rating 2.0 engine, on a one-year term, with policyCount 1, no condominium coverage and some building cover. Records removed at each step: not occupancy type 11 (single-family home): 675,987; not a primary residence: 478,070; not rated by the Risk Rating 2.0 engine: 8; policy term other than one year: 0; policyCount above 1: 0; condominium coverage code other than N: 0; no building coverage (contents only): 8,251. That leaves 2,392,835 homes. Cost is policyCost in whole dollars. States are ranked with at least 1,000 cohort homes and counties with at least 1,000. County names come from FEMA’s NFIP residential penetration rates file, with Connecticut’s eight pre-2022 county codes labelled by their former county names. Spearman rank correlations are computed across the ranked states.
Reproduce this
Reproduce this
- Endpoint
https://www.fema.gov/api/open/v2/FimaNfipPolicies- Query
$filter=policyTerminationDate gt '2026-03-31' and policyEffectiveDate le '2026-03-31'&$select=id,propertyState,countyCode,occupancyType,primaryResidenceIndicator,ratedFloodZone,rateMethod,policyCost,totalInsurancePremiumOfThePolicy,federalPolicyFee,reserveFundAssessment,hfiaaSurcharge,iccPremium,policyCount,totalBuildingInsuranceCoverage,totalContentsInsuranceCoverage,buildingDeductibleCode,condominiumCoverageTypeCode,policyTermIndicator,policyEffectiveDate&$orderby=id&$top=10000- Rows retrieved
- 3,555,151 policy contracts
- Retrieved
- 8 October 2026
The pull split the filter by policyEffectiveDate, one day at a time, because deep paging on the full table is slow; the run refuses to finish unless the unique id count equals the server’s in-force count. FEMA marks v2 as deprecated, to be removed by 15 October 2026; its successor is NFIP Redacted Policies v3 (https://www.fema.gov/api/open/v3/NfipPolicies), which returned 3,557,428 contracts for the same filter on 8 October 2026 and adds a fullRiskPremium field not used here. Field definitions are in the OpenFEMA data dictionary. policyTermIndicator values found: code 1: 3,527,061, code 2: 15,308, code 3: 12,782; code 2 is not in the dictionary’s list and appears only on 15,308 Group Flood policies.
What this does not show
What this does not show
- Current-term bills, not quotes. policyCost is what each policy costs on its current term. FEMA says many existing policyholders move to their full-risk premium in steps under Risk Rating 2.0, so today’s bill is not necessarily the full-risk price of the building, and a new buyer may be quoted a different amount.
- No address-level risk. The file holds no elevation, distance to water or building detail used here, so it cannot explain why one home pays more than its neighbour.
- NFIP only. Private flood insurance is not in the file, so these are not the prices of every flood policy in a state.
- Contracts versus policies. This report counts 3,555,151 contracts. Counted by policyCount, they insure 4,641,433 units, which is closer to how FEMA reports policies in force; FEMA’s own published totals may differ from both because of timing.
- A snapshot. Prices change at each renewal and the file is frozen, so the figures describe 31 March 2026 only.
- Not advice. Nothing here is a recommendation to buy, change or drop a policy. For a price on a specific building, use FloodSmart.gov or a licensed agent; our insurance hub explains how claims work, and state insurance departments handle complaints and private market questions.
Most quotable figures
- The median single-family primary home with NFIP flood insurance pays $1,022 a year (FEMA OpenFEMA, policies in force 31 March 2026, n = 2,392,835).
- Median NFIP flood insurance cost ranges from $367 a year in Alaska to $1,467 in Connecticut (FEMA OpenFEMA, single-family primary homes).
- Florida’s median NFIP bill, $963, is below the national median, but Charlotte, Monroe and Lee counties rank among the 10 most expensive counties in the country (FEMA OpenFEMA).
- Homes inside FEMA’s high-risk flood zones pay a median $1,101 for NFIP cover, against $925 outside them (FEMA OpenFEMA).
- 20.3% of what NFIP single-family primary homes pay is fees and surcharges rather than premium (FEMA OpenFEMA).
- West Virginia homes pay $14.26 per $1,000 of NFIP building cover, against $4.34 nationally (FEMA OpenFEMA).
Questions this report answers
How much does flood insurance cost per year?
For a single-family primary home with an NFIP policy, the median was $1,022 a year on 31 March 2026, with the middle half paying $704 to $1,241 (FEMA OpenFEMA). A specific building can cost far more or less.
Which state has the most expensive flood insurance?
By median NFIP cost for single-family primary homes, the top three are Connecticut ($1,467), Hawaii ($1,286), West Virginia ($1,263). Alaska is lowest at $367 (FEMA OpenFEMA).
Is flood insurance cheaper outside a high-risk flood zone?
Usually, but by less than many expect. The national median is $1,101 inside A and V zones and $925 outside them, and in 6 ranked states the inside median is lower (FEMA OpenFEMA).
Why is Florida’s median below the national median?
Florida has many low-cost policies outside the high-risk zone (median $789) alongside costly coastal ones. Its mean, $1,334, ranks 11th nationally (FEMA OpenFEMA).
What is included in the policy cost?
Premium (including the ICC premium), the reserve fund assessment, the federal policy fee and the HFIAA surcharge. Fees and surcharges are 20.3% of the total for single-family primary homes (FEMA OpenFEMA).
Does this include private flood insurance?
No. The file covers NFIP policies only. For a quote on a specific property, FloodSmart.gov and licensed agents are the sources to use.
How to cite
Remediation Insider. Flood Insurance Cost by State: 3.56 Million NFIP Policies Priced. https://remediationinsider.com/flood-insurance-cost-by-state/ (retrieved 8 October 2026).
Data and tables in this report are released under CC BY 4.0. Attribution: Remediation Insider.
Sources
- Federal Emergency Management Agency. OpenFEMA FIMA NFIP Redacted Policies, v2. 3,555,151 contracts in force on 31 March 2026, retrieved 7 to 8 October 2026.
- Federal Emergency Management Agency. OpenFEMA NFIP Redacted Policies, v3. Count for the same filter only. Retrieved 8 October 2026.
- Federal Emergency Management Agency. OpenFEMA data dictionary, FimaNfipPolicies v2. Field definitions quoted in this report. Retrieved 8 October 2026.
- Federal Emergency Management Agency. OpenFEMA NFIP Residential Penetration Rates, v1. County names only.
- FEMA, Risk Rating 2.0. Context on how rates are set.
- FloodSmart.gov, the NFIP’s consumer site.
- FEMA OpenFEMA Terms and Conditions.
- No survey, interview or physical inspection was conducted for this report. Every figure is computed from the retrieved public files.
This product uses the Federal Emergency Management Agency’s OpenFEMA API, but is not endorsed by FEMA. The Federal Government or FEMA cannot vouch for the data or analyses derived from these data after the data have been retrieved from the Agency’s website(s).