Flood insurance cost · Zone A99 / AR
Cost of flood insurance in zone A99 / AR
What homeowners with an NFIP policy rated in zone A99 / AR actually pay, nationwide and state by state. High risk, levee areas.
Median annual cost of an NFIP home policy in zone A99 / AR
$918a year
Half of the 32,340 insured homes rated in this zone paid between $686 and $1,162. All homes nationwide: $1,082.
What is zone A99 / AR?
High-risk flood areas that will be protected by a flood protection system (such as a levee) still under construction (A99), or behind a system that lost its accreditation and is being restored (AR). Almost all policies here are rated A99. 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: "A99 - Special Flood with Protection Zone; AR - A Special Flood Hazard Area that results from the decertification of a previously accredited flood protection system that is determined to be in the process of being restored to provide base flood protection". 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 A99 / AR: cost by state
Median annual cost of NFIP home policies rated in zone A99 / AR, in every state with at least 10 such policies, from the most to the least expensive.
Swipe the table sideways to see all columns.
| State | Policies | Median | Middle half | Average |
|---|---|---|---|---|
| Virginia | 19 | $1,404 | $1,218–$1,584 | $1,419 |
| Pennsylvania | 208 | $1,199 | $1,010–$1,534 | $1,478 |
| Louisiana | 5,766 | $1,113 | $1,016–$1,260 | $1,139 |
| California | 26,239 | $853 | $650–$1,106 | $892 |
| Puerto Rico | 106 | $388 | $355–$424 | $405 |
Counties with the most Zone A99 / AR policies
- Sacramento County, CAmedian $835 · 24,886 homes
- St. Charles Parish, LAmedian $1,152 · 3,960 homes
- Lafourche Parish, LAmedian $1,082 · 1,720 homes
- San Diego County, CAmedian $1,235 · 536 homes
- Santa Cruz County, CAmedian $1,304 · 425 homes
- Ventura County, CAmedian $1,237 · 363 homes
- Lackawanna County, PAmedian $1,199 · 207 homes