Flood insurance cost · Zone VE / V

Cost of flood insurance in zone VE / V

What homeowners with an NFIP policy rated in zone VE / V actually pay, nationwide and state by state. High risk, coastal.

Zone VE / V · United StatesPolicies in force on Aug 31, 2026

Median annual cost of an NFIP home policy in zone VE / V

$1,655a year

Half of the 49,523 insured homes rated in this zone paid between $1,136 and $2,885. All homes nationwide: $1,082.

$0$1,136 · $1,655 · $2,885$3,606

+7.3% vs Aug 31, 2025 (median $1,542)

49,523home policies in this zone

$2,335average cost (mean)

1.6%of all insured homes

31states and territories with 10+ policies here

What is zone VE / V?

Coastal high-hazard areas with an additional hazard from storm waves (velocity flooding). Includes VE, V and the older V1–V30 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: "VE, V1-V30 - Velocity Flood with Base Flood Elevation on FIRM; V - Velocity 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 VE / V: cost by state

Median annual cost of NFIP home policies rated in zone VE / V, 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
Connecticut	1,572	$3,212	$1,819–$4,899	$3,584
Hawaii	1,004	$2,950	$1,866–$4,054	$3,178
Guam	29	$2,612	$1,394–$3,669	$2,591
South Carolina	1,603	$2,123	$1,172–$4,668	$3,185
Louisiana	1,870	$1,990	$1,312–$3,378	$2,588
Texas	8,522	$1,943	$1,368–$2,893	$2,357
New York	1,717	$1,873	$1,309–$2,969	$2,335
Massachusetts	4,150	$1,849	$1,254–$2,934	$2,344
California	1,310	$1,741	$1,253–$3,016	$2,330
Maine	632	$1,644	$1,172–$3,245	$2,395
Florida	12,652	$1,615	$983–$3,977	$2,743
Rhode Island	945	$1,593	$1,135–$2,220	$1,849
Oregon	235	$1,537	$1,290–$2,198	$1,792
Mississippi	1,790	$1,524	$1,208–$2,238	$1,890
Alabama	2,104	$1,503	$1,195–$2,220	$1,878
New Hampshire	124	$1,474	$1,244–$2,091	$1,786
Georgia	118	$1,468	$1,041–$2,465	$2,221
Delaware	645	$1,444	$1,116–$1,844	$1,572
Pennsylvania	19	$1,430	$1,326–$1,560	$1,833
North Carolina	5,088	$1,343	$1,027–$2,016	$1,688
New Jersey	1,448	$1,266	$1,008–$1,665	$1,432
Virginia	672	$1,147	$828–$1,522	$1,281
Ohio	18	$1,113	$876–$1,292	$1,220
Alaska	38	$896	$474–$1,272	$1,243
Michigan	94	$843	$678–$1,169	$1,023
Wisconsin	14	$826	$726–$1,183	$947
Washington	596	$801	$639–$1,120	$967
Maryland	323	$775	$614–$1,038	$858
Illinois	17	$621	$457–$753	$812
U.S. Virgin Islands	36	$538	$497–$616	$571
Puerto Rico	135	$528	$380–$576	$613

Counties with the most Zone VE / V policies

Other flood zones

Zone AE: $1,278
Zone A: $966
Zone AO: $987
Zone AH: $890
Zone A99 / AR: $918
Zone X: $949