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Flood insurance cost · Zone A

Cost of flood insurance in zone A

What homeowners with an NFIP policy rated in zone A actually pay, nationwide and state by state. High risk.

Zone A · United StatesPolicies in force on Aug 31, 2026

Median annual cost of an NFIP home policy in zone A

$966a year

Half of the 119,723 insured homes rated in this zone paid between $683 and $1,407. All homes nationwide: $1,082.

$0$683 · $966 · $1,407$1,759
+4.1% vs Aug 31, 2025 (median $928)
119,723home policies in this zone
$1,174average cost (mean)
4.0%of all insured homes
53states and territories with 10+ policies here

What is zone A?

High-risk flood areas where no detailed study was done, so the flood map shows no base flood elevation. Federal law requires flood insurance for buildings in high-risk zones (A and V) with a government-backed mortgage, in communities that take part in the NFIP (FEMA FloodSmart). Some lenders ask for it elsewhere too.

FEMA's data dictionary label: "A - Special Flood with no Base Flood Elevation on FIRM". To find the zone of an address, use the FEMA Flood Map Service Center; the zone printed on a policy is the one used to rate it.

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.

Zone A: cost by state

Median annual cost of NFIP home policies rated in zone A, in every state with at least 10 such policies, from the most to the least expensive.

Swipe the table sideways to see all columns.

StatePoliciesMedianMiddle halfAverage
Hawaii219$2,201$1,359–$3,300$2,472
Guam28$2,044$1,440–$3,069$2,273
New Hampshire463$1,477$1,060–$2,246$1,814
West Virginia1,275$1,469$1,074–$2,213$1,796
Montana272$1,444$890–$2,460$1,824
Kentucky1,755$1,430$1,018–$2,104$1,718
Connecticut733$1,333$940–$1,771$1,517
New Mexico2,085$1,316$915–$2,013$1,801
Pennsylvania3,453$1,310$904–$1,815$1,521
Tennessee1,264$1,310$845–$1,949$1,575
New York2,525$1,298$875–$1,867$1,538
Alabama1,750$1,297$1,003–$1,772$1,510
Vermont224$1,280$865–$2,101$1,683
California10,339$1,220$850–$1,684$1,392
Minnesota779$1,218$863–$1,626$1,387
Oregon1,406$1,177$827–$1,762$1,484
Washington1,271$1,176$886–$1,705$1,494
South Dakota225$1,155$826–$1,623$1,437
Colorado584$1,140$779–$1,636$1,481
Idaho358$1,114$773–$1,597$1,327
Wyoming216$1,109$798–$1,554$1,323
Oklahoma1,023$1,106$758–$1,548$1,317
Iowa836$1,094$776–$1,493$1,311
New Jersey1,294$1,070$800–$1,428$1,249
Georgia4,771$1,051$747–$1,484$1,238
Texas12,336$1,044$762–$1,420$1,197
Rhode Island95$1,029$730–$1,529$1,231
Kansas807$1,024$735–$1,551$1,218
Missouri1,076$1,024$676–$1,579$1,275
Illinois1,432$999$734–$1,496$1,252
Louisiana19,135$991$664–$1,372$1,115
Indiana2,026$967$687–$1,429$1,168
Virginia1,522$966$628–$1,598$1,311
Mississippi1,730$952$711–$1,297$1,075
Arizona1,597$950$730–$1,277$1,096
Nebraska788$950$652–$1,473$1,144
Michigan1,442$944$703–$1,348$1,139
North Dakota154$942$646–$1,308$1,086
Massachusetts882$939$714–$1,276$1,062
Ohio1,868$932$669–$1,370$1,149
Wisconsin607$932$652–$1,378$1,100
Arkansas2,065$917$677–$1,366$1,180
Nevada582$914$714–$1,232$1,048
Maine344$912$703–$1,346$1,120
Delaware132$854$661–$1,204$1,091
South Carolina620$826$672–$1,120$1,016
North Carolina153$768$577–$1,087$926
Maryland723$740$562–$1,106$975
Florida27,157$727$574–$953$819
Utah458$714$547–$1,103$1,022
U.S. Virgin Islands402$460$374–$555$479
Puerto Rico242$407$352–$534$477
Alaska196$354$323–$532$426

Counties with the most Zone A policies

Other flood zones