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Flood insurance cost · Zone AH

Cost of flood insurance in zone AH

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

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

Median annual cost of an NFIP home policy in zone AH

$890a year

Half of the 133,209 insured homes rated in this zone paid between $696 and $1,119. All homes nationwide: $1,082.

$0$696 · $890 · $1,119$1,399
+9.3% vs Aug 31, 2025 (median $814)
133,209home policies in this zone
$983average cost (mean)
4.4%of all insured homes
35states and territories with 10+ policies here

What is zone AH?

High-risk areas with shallow ponding, where water collects in low spots. 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: "AH, AHB - Special Flood with Shallow Ponding". 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 AH: cost by state

Median annual cost of NFIP home policies rated in zone AH, 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
Massachusetts62$2,799$2,431–$3,399$2,787
Hawaii755$2,562$1,286–$3,094$2,351
New Jersey214$1,768$1,023–$2,614$1,922
Maryland86$1,483$1,336–$1,899$1,701
Minnesota13$1,451$1,017–$1,528$1,501
Washington222$1,350$899–$2,079$1,585
Alabama60$1,289$886–$1,594$1,411
Utah55$1,267$808–$1,598$1,347
New York75$1,244$796–$1,669$1,271
Illinois985$1,241$962–$1,623$1,339
California5,081$1,137$782–$1,842$1,379
Indiana68$1,132$981–$1,346$1,165
Ohio148$1,126$714–$1,570$1,209
Colorado73$1,077$835–$1,278$1,187
Arkansas172$972$760–$1,188$998
New Mexico930$968$749–$1,265$1,094
Oregon288$932$795–$1,101$959
Nevada45$918$585–$1,048$894
Florida112,975$889$703–$1,099$957
Idaho24$878$765–$1,001$885
Michigan12$878$705–$1,072$990
Louisiana2,110$874$655–$1,192$1,068
Mississippi177$859$660–$994$852
North Carolina245$856$743–$1,012$907
Arizona539$846$693–$1,018$966
Kansas214$800$607–$1,101$903
Oklahoma13$800$530–$997$851
Nebraska75$781$648–$986$838
South Carolina18$767$656–$1,745$1,237
Texas5,526$754$585–$1,059$862
Iowa395$714$558–$884$804
Pennsylvania74$648$533–$813$732
Wisconsin76$522$456–$669$585
Missouri1,344$516$440–$647$586
Alaska35$361$346–$378$382

Counties with the most Zone AH policies

Other flood zones