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Flood insurance cost · Zone X

Cost of flood insurance in zone X

What homeowners with an NFIP policy rated in zone X actually pay, nationwide and state by state. Moderate to low risk.

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

Median annual cost of an NFIP home policy in zone X

$949a year

Half of the 1,275,477 insured homes rated in this zone paid between $649 and $1,227. All homes nationwide: $1,082.

$0$649 · $949 · $1,227$1,534
+4.7% vs Aug 31, 2025 (median $906)
1,275,477home policies in this zone
$959average cost (mean)
42.5%of all insured homes
54states and territories with 10+ policies here

What is zone X?

Areas of moderate or minimal flood risk outside the high-risk flood zones (the older maps call them zones B and C). Flood insurance is not required by federal law here, but floods still happen. Federal law does not require flood insurance in zone X, but lenders can ask for it (FEMA FloodSmart).

FEMA's data dictionary label: "X, B - Moderate Flood from primary water source; X, C - Minimal Flood from primary water source". 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 X: cost by state

Median annual cost of NFIP home policies rated in zone X, 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
Hawaii3,638$1,246$1,079–$1,370$1,343
South Dakota668$1,175$830–$1,403$1,153
Idaho1,090$1,146$817–$1,371$1,145
Montana863$1,138$772–$1,369$1,129
West Virginia1,375$1,123$844–$1,365$1,169
Vermont1,077$1,109$709–$1,398$1,182
Oregon5,642$1,108$779–$1,319$1,101
New Jersey17,969$1,107$776–$1,351$1,102
New Hampshire1,404$1,103$649–$1,391$1,095
Connecticut4,819$1,101$700–$1,370$1,096
Guam22$1,092$1,013–$1,499$1,311
Mississippi11,518$1,086$838–$1,265$1,063
Louisiana171,982$1,084$848–$1,260$1,046
Nebraska1,094$1,078$666–$1,309$1,017
California47,569$1,077$747–$1,233$1,043
New York43,223$1,077$686–$1,308$1,046
New Mexico3,912$1,076$716–$1,550$1,429
Alabama7,007$1,065$734–$1,259$1,031
Texas327,205$1,064$761–$1,238$1,007
Iowa2,170$1,031$674–$1,269$1,014
Wyoming555$1,027$768–$1,267$1,029
Arkansas2,055$1,026$753–$1,238$1,017
Arizona4,972$1,017$748–$1,233$1,010
Kentucky2,443$1,012$686–$1,260$1,062
Missouri2,827$1,010$636–$1,269$1,020
Pennsylvania10,306$1,009$633–$1,252$1,005
Minnesota2,313$966$611–$1,267$984
Washington6,782$959$596–$1,233$973
Illinois6,475$956$642–$1,230$973
Oklahoma2,658$950$632–$1,230$945
Kansas1,683$937$614–$1,212$959
Massachusetts9,230$910$604–$1,293$989
Tennessee7,468$896$603–$1,219$945
Indiana3,298$886$621–$1,198$934
Nevada1,860$871$653–$1,087$895
Rhode Island2,741$871$636–$1,198$932
Maine2,525$862$607–$1,310$1,052
Georgia26,289$844$615–$1,112$895
North Dakota2,396$840$617–$1,198$908
North Carolina44,535$814$611–$1,102$889
Florida350,636$805$584–$1,116$901
Wisconsin3,511$780$539–$1,195$882
Delaware5,173$739$562–$1,037$823
Michigan4,128$739$545–$1,068$834
Colorado5,541$714$492–$1,151$866
Ohio5,649$713$511–$1,070$816
South Carolina52,026$697$538–$996$797
Virginia30,934$642$486–$896$734
Utah1,787$570$419–$865$694
Maryland15,162$523$394–$749$625
U.S. Virgin Islands189$500$355–$578$489
Puerto Rico656$495$361–$692$574
District of Columbia1,136$387$350–$479$437
Alaska1,289$374$350–$421$438

Counties with the most Zone X policies

Other flood zones