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FEMA data · updated monthly

What does flood insurance really cost here?

The median NFIP home policy costs $1,082 a year. Look up what policyholders actually pay in your ZIP code, county, state and flood zone, from FEMA's records of 3,004,117 home policies in force.

  • Official FEMA NFIP data
  • Policies in force on Aug 31, 2026
  • No sign-up, no personal data
United States, all NFIP home policiesPolicies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,082a year

Half of insured homes paid between $741 and $1,421. The most common flood zone for insured homes here is zone AE (45%).

$0$741 · $1,082 · $1,421$1,776
+12.6% vs Aug 31, 2025 (median $961)
3,004,117home policies in force
$1,317average cost (mean)
58%of insured homes in high-risk zones (A, V)
$250,000median building coverage

This is what policyholders paid, not a quote. Two neighbors can pay very different prices: NFIP prices depend on the building (elevation, foundation, number of floors, replacement cost), the coverage and deductible chosen and the distance to water (FEMA FloodSmart: premium factors). For a price for your building, ask an insurance agent. Private flood insurance is not included in these figures.

Was your county in a federal disaster? FEMA declarations, individual assistance and IRS postponed tax deadlines (26 IRS notices open today), county by county: disaster declarations and IRS tax relief.

Flood insurance cost by state

Median annual cost of an NFIP home policy. Among states and territories with at least 1,000 insured homes, the highest medians are in Connecticut ($1,582), Hawaii ($1,480), Massachusetts ($1,407); the lowest in Alaska ($382), District of Columbia ($400), Utah ($650). Open a state for its counties, ZIP codes and flood zones.

AK$382ME$1,204VT$1,364NH$1,370WA$1,058ID$1,083MT$995ND$865MN$1,133IL$1,146WI$936MI$830NY$1,313RI$1,204MA$1,407OR$1,146NV$877WY$1,070SD$1,161IA$1,054IN$961OH$919PA$1,232NJ$1,328CT$1,582CA$1,079UT$650CO$926NE$943MO$1,103KY$1,210WV$1,335VA$804MD$660DE$1,145AZ$984NM$1,084KS$1,045AR$1,003TN$1,084NC$1,025SC$949DC$400OK$1,070LA$1,119MS$1,240AL$1,233GA$1,010HI$1,480TX$1,084FL$1,017PR$470
  • $382–$925
  • $926–$1,024
  • $1,025–$1,102
  • $1,103–$1,231
  • $1,232–$1,582

Median annual cost of NFIP home policies in force on August 31, 2026, in five groups with about the same number of states. Each tile links to the state page.

All states and territories in a list

Cost by flood zone, nationwide

Among zones with at least 10,000 insured homes, the median is highest in zone VE / V ($1,655) and lowest in zone AH ($890); zone X, outside the mapped high-risk areas, is at $949. Open a zone for state-by-state figures.

Flood zoneMedianMiddle half (25th–75th percentile)AveragePoliciesvs last year
Zone VE / V
High risk, coastal		$1,655$1,136–$2,885$2,33549,523 (2%)+7.3%
Zone AE
High risk		$1,278$891–$1,962$1,6751,350,523 (45%)+9.9%
Zone A
High risk		$966$683–$1,407$1,174119,723 (4%)+4.1%
Zone AO
High risk, shallow		$987$746–$1,428$1,21942,065 (1%)+8.8%
Zone AH
High risk, shallow		$890$696–$1,119$983133,209 (4%)+9.3%
Zone A99 / AR
High risk, levee areas		$918$686–$1,162$93832,340 (1%)+6.1%
Zone X
Moderate to low risk		$949$649–$1,227$9591,275,477 (42%)+4.7%
Zone D
Undetermined		$1,234$730–$2,186$1,7331,171 (0%)+1.5%

Shares are of all insured homes; a few policies have no rated zone. "vs last year" compares medians with policies in force a year earlier.

Counties with the most insured homes

One year on: the United States

Policies in force on August 31, 2026 compared with a year earlier. Nationwide, practically all policies in both years carry FEMA's Risk Rating 2.0 occupancy codes, so both years use the same pricing system. The policies are not the same: some were new, some lapsed.

Aug 31, 2025Aug 31, 2026Change
Home policies in force3,182,0483,004,117−5.6%
Median annual cost$961$1,082+12.6%
Average annual cost$1,211$1,317+8.8%
All policies in force (any building)3,575,6403,367,522−5.8%

Flood claims history

Since 1978, NFIP policyholders in the United States have filed 2,725,989 flood claims. 2,117,326 received a payment, for a total of $89.9 billion (an average of $42,443 per paid claim). The year with the most claims was 2005 (277,027 claims). Amounts are in dollars of the time, not adjusted for inflation.

0100k200k300k400k1978: 35,897 claims, 29,122 paid, $147,719,253 in total1979: 87,375 claims, 70,613 paid, $483,281,219 in total1980: 53,227 claims, 41,918 paid, $230,414,295 in total19801981: 31,174 claims, 23,261 paid, $127,118,031 in total1982: 43,106 claims, 32,831 paid, $198,295,820 in total1983: 70,446 claims, 51,584 paid, $439,454,937 in total1984: 39,230 claims, 27,688 paid, $254,642,874 in total1985: 52,305 claims, 38,676 paid, $368,238,794 in total1986: 18,783 claims, 13,790 paid, $126,384,255 in total1987: 18,724 claims, 13,400 paid, $105,447,519 in total1988: 11,725 claims, 7,766 paid, $51,022,523 in total1989: 48,624 claims, 36,251 paid, $661,657,451 in total1990: 19,266 claims, 14,767 paid, $167,896,816 in total19901991: 36,599 claims, 28,551 paid, $353,693,620 in total1992: 61,551 claims, 44,650 paid, $710,225,154 in total1993: 45,979 claims, 36,044 paid, $659,147,348 in total1994: 28,632 claims, 21,584 paid, $411,096,263 in total1995: 79,582 claims, 62,441 paid, $1,296,601,224 in total1996: 68,135 claims, 52,677 paid, $828,156,076 in total1997: 38,160 claims, 30,337 paid, $519,537,378 in total1998: 83,619 claims, 57,356 paid, $887,543,713 in total1999: 68,171 claims, 47,250 paid, $755,020,367 in total2000: 23,247 claims, 16,362 paid, $251,720,536 in total20002001: 54,492 claims, 43,601 paid, $1,276,956,507 in total2002: 34,512 claims, 25,354 paid, $433,650,807 in total2003: 47,846 claims, 36,935 paid, $780,805,621 in total2004: 76,034 claims, 55,919 paid, $2,232,435,928 in total2005: 277,027 claims, 213,647 paid, $17,770,847,244 in total20052006: 29,651 claims, 24,630 paid, $640,825,181 in total2007: 28,360 claims, 23,197 paid, $614,135,755 in total2008: 96,968 claims, 75,049 paid, $3,491,288,084 in total2009: 37,734 claims, 31,048 paid, $780,147,603 in total2010: 37,818 claims, 29,171 paid, $773,817,888 in total20102011: 96,466 claims, 78,313 paid, $2,431,706,170 in total2012: 175,804 claims, 154,572 paid, $9,741,716,348 in total20122013: 24,062 claims, 18,159 paid, $493,516,942 in total2014: 18,772 claims, 12,964 paid, $381,795,234 in total2015: 34,581 claims, 26,037 paid, $1,045,468,572 in total2016: 85,497 claims, 70,440 paid, $4,469,110,321 in total2017: 145,681 claims, 112,876 paid, $10,657,716,357 in total20172018: 42,625 claims, 33,605 paid, $1,555,924,433 in total2019: 35,312 claims, 29,242 paid, $1,519,285,975 in total2020: 33,185 claims, 24,554 paid, $934,884,901 in total20202021: 46,699 claims, 35,377 paid, $1,960,789,299 in total2022: 60,262 claims, 47,070 paid, $5,262,767,487 in total2023: 21,690 claims, 16,623 paid, $980,639,520 in total2024: 102,054 claims, 85,611 paid, $8,815,432,031 in total2025: 13,143 claims, 10,612 paid, $628,342,033 in total2026: 6,157 claims, 3,801 paid, $156,545,631 in total
Flood claims per year of loss, 1978–2026. Years with fewer than 10 claims are left blank. Hover a bar for details.
All years with at least 10 claims (49)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
20266,1573,801$156,545,631$41,185
202513,14310,612$628,342,033$59,211
2024102,05485,611$8,815,432,031$102,971
202321,69016,623$980,639,520$58,993
202260,26247,070$5,262,767,487$111,807
202146,69935,377$1,960,789,299$55,426
202033,18524,554$934,884,901$38,075
201935,31229,242$1,519,285,975$51,956
201842,62533,605$1,555,924,433$46,300
2017145,681112,876$10,657,716,357$94,420
201685,49770,440$4,469,110,321$63,446
201534,58126,037$1,045,468,572$40,153
201418,77212,964$381,795,234$29,450
201324,06218,159$493,516,942$27,178
2012175,804154,572$9,741,716,348$63,024
201196,46678,313$2,431,706,170$31,051
201037,81829,171$773,817,888$26,527
200937,73431,048$780,147,603$25,127
200896,96875,049$3,491,288,084$46,520
200728,36023,197$614,135,755$26,475
200629,65124,630$640,825,181$26,018
2005277,027213,647$17,770,847,244$83,179
200476,03455,919$2,232,435,928$39,923
200347,84636,935$780,805,621$21,140
200234,51225,354$433,650,807$17,104
200154,49243,601$1,276,956,507$29,287
200023,24716,362$251,720,536$15,384
199968,17147,250$755,020,367$15,979
199883,61957,356$887,543,713$15,474
199738,16030,337$519,537,378$17,126
199668,13552,677$828,156,076$15,721
199579,58262,441$1,296,601,224$20,765
199428,63221,584$411,096,263$19,046
199345,97936,044$659,147,348$18,287
199261,55144,650$710,225,154$15,906
199136,59928,551$353,693,620$12,388
199019,26614,767$167,896,816$11,370
198948,62436,251$661,657,451$18,252
198811,7257,766$51,022,523$6,570
198718,72413,400$105,447,519$7,869
198618,78313,790$126,384,255$9,165
198552,30538,676$368,238,794$9,521
198439,23027,688$254,642,874$9,197
198370,44651,584$439,454,937$8,519
198243,10632,831$198,295,820$6,040
198131,17423,261$127,118,031$5,465
198053,22741,918$230,414,295$5,497
197987,37570,613$483,281,219$6,844
197835,89729,122$147,719,253$5,072

From 2016 to 2026: 592,305 claims (counting only years with at least 10). 2026 is a partial year. Claims are counted where the insured property is; they include buildings and contents, homes and businesses.

How this works

What the numbers are

FEMA publishes every NFIP policy, without names or addresses, in its OpenFEMA data. We take the policies in force on August 31, 2026, keep the total annual cost (premium plus the fees and surcharges in the bill) and compute medians by area, flood zone and building type. Areas or groups with fewer than 10 policies are not shown.

What they are not

They are not a quote and not an estimate for your home: they describe what other policyholders paid. Private flood insurance, which FEMA does not report, is not included. Read the full methodology.