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Flood insurance cost · Zone AE

Cost of flood insurance in zone AE

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

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

Median annual cost of an NFIP home policy in zone AE

$1,278a year

Half of the 1,350,523 insured homes rated in this zone paid between $891 and $1,962. All homes nationwide: $1,082.

$0$891 · $1,278 · $1,962$2,452
+9.9% vs Aug 31, 2025 (median $1,163)
1,350,523home policies in this zone
$1,675average cost (mean)
45.0%of all insured homes
54states and territories with 10+ policies here

What is zone AE?

High-risk flood areas where the flood map shows a base flood elevation: the height floodwater has a 1% chance of reaching in any year. Includes the older A1–A30 labels. 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: "AE, A1-A30 - Special Flood with 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 AE: cost by state

Median annual cost of NFIP home policies rated in zone AE, 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
Vermont1,279$1,861$1,217–$2,784$2,101
Connecticut12,677$1,832$1,282–$2,836$2,299
Hawaii3,962$1,720$1,232–$2,958$2,267
New Hampshire1,960$1,660$1,148–$2,663$2,038
New York64,626$1,660$1,140–$2,336$1,936
Massachusetts19,283$1,643$1,164–$2,139$1,863
Guam49$1,572$1,078–$2,367$1,855
Pennsylvania16,477$1,497$1,040–$2,224$1,799
West Virginia3,935$1,451$1,034–$2,156$1,735
Missouri4,941$1,422$998–$2,108$1,737
New Jersey83,493$1,411$1,047–$1,996$1,677
Maine2,685$1,409$999–$2,249$1,890
Rhode Island4,212$1,388$1,038–$1,862$1,568
Mississippi24,272$1,369$1,011–$1,736$1,484
Minnesota1,795$1,366$913–$1,955$1,605
Florida462,986$1,359$845–$2,499$1,991
California27,886$1,358$999–$1,968$1,714
Delaware9,644$1,330$973–$1,754$1,491
Alabama13,432$1,309$1,035–$1,764$1,529
Illinois11,155$1,282$877–$1,857$1,518
Kentucky8,088$1,269$881–$1,907$1,558
Texas134,506$1,266$961–$1,781$1,496
Louisiana149,306$1,257$909–$1,737$1,434
Tennessee8,365$1,232$873–$1,746$1,471
Kansas2,434$1,186$820–$1,612$1,306
Oregon7,769$1,175$843–$1,725$1,465
North Carolina51,211$1,171$891–$1,556$1,366
Oklahoma3,036$1,165$847–$1,635$1,369
Iowa2,587$1,143$795–$1,585$1,327
Colorado4,030$1,141$798–$1,692$1,460
Georgia25,118$1,134$894–$1,552$1,358
South Dakota1,002$1,132$810–$1,601$1,353
South Carolina60,046$1,119$891–$1,479$1,433
Arizona5,411$1,118$810–$1,641$1,385
Washington11,838$1,107$818–$1,588$1,384
New Mexico2,936$1,088$763–$1,523$1,253
Wyoming430$1,084$733–$1,624$1,314
Idaho1,982$1,081$804–$1,453$1,280
Wisconsin4,260$1,080$747–$1,618$1,318
Arkansas4,045$1,059$768–$1,521$1,293
Ohio9,611$1,049$732–$1,529$1,252
Indiana7,075$994$735–$1,443$1,190
Virginia36,471$966$704–$1,392$1,163
Nebraska3,089$920$688–$1,264$1,065
Nevada1,196$913$696–$1,310$1,107
Montana1,789$899$649–$1,381$1,166
North Dakota2,250$897$638–$1,380$1,115
Michigan9,446$848$657–$1,166$1,019
Maryland14,415$802$592–$1,142$918
Utah657$763$545–$1,027$884
District of Columbia207$548$476–$666$583
U.S. Virgin Islands88$529$382–$592$519
Puerto Rico4,047$478$371–$603$608
Alaska1,031$444$352–$590$546

Counties with the most Zone AE policies

Other flood zones