Flood insurance cost · flood zones
Flood insurance cost by flood zone
What NFIP home policies cost in each FEMA flood zone, from 3,004,117 policies in force on August 31, 2026.
Your flood zone is the area on FEMA's Flood Insurance Rate Map where the building stands. Zones starting with A or V are high-risk areas (the "special flood hazard area"); zone X is moderate to low risk. Under Risk Rating 2.0 the zone is no longer the only price factor, but it still tracks the cost closely.
Median cost by flood zone
| Flood zone | Median | Middle half (25th–75th percentile) | Average | Policies | vs last year |
|---|---|---|---|---|---|
| Zone VE / V High risk, coastal | $1,655 | $1,136–$2,885 | $2,335 | 49,523 (2%) | +7.3% |
| Zone AE High risk | $1,278 | $891–$1,962 | $1,675 | 1,350,523 (45%) | +9.9% |
| Zone A High risk | $966 | $683–$1,407 | $1,174 | 119,723 (4%) | +4.1% |
| Zone AO High risk, shallow | $987 | $746–$1,428 | $1,219 | 42,065 (1%) | +8.8% |
| Zone AH High risk, shallow | $890 | $696–$1,119 | $983 | 133,209 (4%) | +9.3% |
| Zone A99 / AR High risk, levee areas | $918 | $686–$1,162 | $938 | 32,340 (1%) | +6.1% |
| Zone X Moderate to low risk | $949 | $649–$1,227 | $959 | 1,275,477 (42%) | +4.7% |
| Zone D Undetermined | $1,234 | $730–$2,186 | $1,733 | 1,171 (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.
Zone guides
- Zone VE / Vmedian $1,655 · high risk, coastal
- Zone AEmedian $1,278 · high risk
- Zone Amedian $966 · high risk
- Zone AOmedian $987 · high risk, shallow
- Zone AHmedian $890 · high risk, shallow
- Zone A99 / ARmedian $918 · high risk, levee areas
- Zone Xmedian $949 · moderate to low risk
Zone definitions: FEMA FloodSmart, "What is my flood zone" and the FEMA data dictionary, checked on October 15, 2026.
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.