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Flood insurance cost · FL

Flood insurance cost in Florida

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 968,533 home policies in force on August 31, 2026.

FloridaPolicies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,017a year

Half of insured homes paid between $681 and $1,503. That is 6% less than the national median ($1,082). The most common flood zone for insured homes here is zone AE (48%).

$0$681 · $1,017 · $1,503$1,879
+9.5% vs Aug 31, 2025 (median $929)
968,533home policies in force
$1,451average cost (mean)
64%of insured homes in high-risk zones (A, V)
$250,000median building coverage

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.

Disaster declarations: see FEMA declarations and IRS tax relief in Florida, county by county.

Cost by flood zone in Florida

The flood zone on FEMA's map is one of the main price factors. Median and middle half of what insured homes paid, by the zone used to rate the policy.

Flood zoneMedianMiddle half (25th–75th percentile)AveragePoliciesvs last year
Zone VE / V
High risk, coastal		$1,615$983–$3,977$2,74312,652 (1%)+7.7%
Zone AE
High risk		$1,359$845–$2,499$1,991462,986 (48%)+10.8%
Zone A
High risk		$727$574–$953$81927,157 (3%)+2.4%
Zone AO
High risk, shallow		$753$596–$1,150$1,2652,089 (0%)+3.4%
Zone AH
High risk, shallow		$889$703–$1,099$957112,975 (12%)+9.8%
Zone X
Moderate to low risk		$805$584–$1,116$901350,636 (36%)+1.8%
Zone D
Undetermined		$1,087$662–$1,784$1,26837 (0%)+0.1%

Not shown (fewer than 10 home policies): A99/AR. Shares are of all insured homes; a few policies have no rated zone. "vs last year" compares medians with policies in force a year earlier.

Cost by type of building

All NFIP policies in force in Florida, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home862,878$1,041$1,486
2–4 unit building20,149$1,266$1,886
Manufactured (mobile) home21,905$1,113$1,410
Condo or apartment unit63,601$656$852
Whole residential building (5+ units or condo association)
One policy covers the whole building, so the cost is much higher than for a single home.		49,243$4,210$7,961
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		56,294$2,253$3,766
1,074,070NFIP policies in force, any building
1,725,761insured units (condo association policies count every unit)
79%of home policies also cover contents
$100,000median contents coverage, when bought

One year on: Florida

Policies in force on August 31, 2026 compared with a year earlier. Nationwide, practically all policies in both years carry FEMA's Risk Rating 2.0 occupancy codes, so both years use the same pricing system. The policies are not the same: some were new, some lapsed.

Aug 31, 2025Aug 31, 2026Change
Home policies in force1,019,441968,533−5.0%
Median annual cost$929$1,017+9.5%
Average annual cost$1,333$1,451+8.9%
All policies in force (any building)1,144,8041,074,070−6.2%

Flood claims history

Since 1978, NFIP policyholders in Florida have filed 448,618 flood claims. 313,638 received a payment, for a total of $19.4 billion (an average of $61,773 per paid claim). The year with the most claims was 2024 (80,446 claims). Amounts are in dollars of the time, not adjusted for inflation.

025k50k75k100k1978: 450 claims, 265 paid, $952,710 in total1979: 6,744 claims, 3,890 paid, $17,257,372 in total1980: 828 claims, 387 paid, $933,927 in total19801981: 2,728 claims, 1,276 paid, $1,964,168 in total1982: 5,548 claims, 3,807 paid, $12,763,610 in total1983: 1,025 claims, 401 paid, $1,420,862 in total1984: 1,437 claims, 689 paid, $4,095,848 in total1985: 12,003 claims, 8,781 paid, $87,399,649 in total1986: 678 claims, 401 paid, $1,985,050 in total1987: 624 claims, 332 paid, $1,427,672 in total1988: 3,209 claims, 1,919 paid, $11,961,015 in total1989: 440 claims, 186 paid, $2,037,243 in total1990: 276 claims, 133 paid, $1,568,572 in total19901991: 2,242 claims, 1,350 paid, $10,014,518 in total1992: 11,664 claims, 4,947 paid, $158,176,846 in total1993: 10,757 claims, 8,929 paid, $200,285,094 in total1994: 3,970 claims, 2,105 paid, $19,829,192 in total1995: 17,520 claims, 12,257 paid, $423,368,517 in total1996: 8,363 claims, 6,825 paid, $105,736,497 in total1997: 2,577 claims, 1,485 paid, $12,250,637 in total1998: 14,948 claims, 7,925 paid, $101,807,234 in total1999: 24,751 claims, 15,637 paid, $137,902,241 in total2000: 13,847 claims, 10,157 paid, $166,664,170 in total20002001: 5,224 claims, 3,330 paid, $45,361,229 in total2002: 1,536 claims, 758 paid, $8,364,848 in total2003: 2,106 claims, 1,125 paid, $14,005,229 in total2004: 34,726 claims, 22,234 paid, $1,268,770,465 in total20042005: 32,420 claims, 20,141 paid, $628,839,218 in total2006: 1,033 claims, 527 paid, $10,491,493 in total2007: 984 claims, 438 paid, $7,094,696 in total2008: 4,424 claims, 2,835 paid, $62,294,898 in total2009: 3,511 claims, 2,422 paid, $72,958,261 in total2010: 910 claims, 272 paid, $4,405,329 in total20102011: 2,157 claims, 1,206 paid, $27,214,564 in total2012: 5,369 claims, 3,144 paid, $74,486,460 in total2013: 2,154 claims, 1,251 paid, $34,786,221 in total2014: 3,960 claims, 2,769 paid, $124,776,196 in total2015: 1,993 claims, 1,180 paid, $27,171,566 in total2016: 8,838 claims, 6,305 paid, $292,130,534 in total2017: 31,430 claims, 19,886 paid, $1,037,192,596 in total2018: 5,100 claims, 3,322 paid, $243,999,583 in total2019: 1,193 claims, 613 paid, $27,844,007 in total2020: 9,992 claims, 7,442 paid, $319,044,878 in total20202021: 933 claims, 449 paid, $17,764,352 in total2022: 50,324 claims, 39,741 paid, $4,951,013,953 in total20222023: 10,300 claims, 8,563 paid, $662,691,835 in total2024: 80,446 claims, 69,247 paid, $7,905,031,837 in total20242025: 721 claims, 323 paid, $23,491,282 in total2026: 205 claims, 31 paid, $1,313,778 in total
Flood claims per year of loss, 1978–2026. Years with fewer than 10 claims are left blank. Hover a bar for details.
All years with at least 10 claims (49)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
202620531$1,313,778$42,380
2025721323$23,491,282$72,728
202480,44669,247$7,905,031,837$114,157
202310,3008,563$662,691,835$77,390
202250,32439,741$4,951,013,953$124,582
2021933449$17,764,352$39,564
20209,9927,442$319,044,878$42,871
20191,193613$27,844,007$45,423
20185,1003,322$243,999,583$73,450
201731,43019,886$1,037,192,596$52,157
20168,8386,305$292,130,534$46,333
20151,9931,180$27,171,566$23,027
20143,9602,769$124,776,196$45,062
20132,1541,251$34,786,221$27,807
20125,3693,144$74,486,460$23,692
20112,1571,206$27,214,564$22,566
2010910272$4,405,329$16,196
20093,5112,422$72,958,261$30,123
20084,4242,835$62,294,898$21,974
2007984438$7,094,696$16,198
20061,033527$10,491,493$19,908
200532,42020,141$628,839,218$31,222
200434,72622,234$1,268,770,465$57,064
20032,1061,125$14,005,229$12,449
20021,536758$8,364,848$11,035
20015,2243,330$45,361,229$13,622
200013,84710,157$166,664,170$16,409
199924,75115,637$137,902,241$8,819
199814,9487,925$101,807,234$12,846
19972,5771,485$12,250,637$8,250
19968,3636,825$105,736,497$15,493
199517,52012,257$423,368,517$34,541
19943,9702,105$19,829,192$9,420
199310,7578,929$200,285,094$22,431
199211,6644,947$158,176,846$31,974
19912,2421,350$10,014,518$7,418
1990276133$1,568,572$11,794
1989440186$2,037,243$10,953
19883,2091,919$11,961,015$6,233
1987624332$1,427,672$4,300
1986678401$1,985,050$4,950
198512,0038,781$87,399,649$9,953
19841,437689$4,095,848$5,945
19831,025401$1,420,862$3,543
19825,5483,807$12,763,610$3,353
19812,7281,276$1,964,168$1,539
1980828387$933,927$2,413
19796,7443,890$17,257,372$4,436
1978450265$952,710$3,595

From 2016 to 2026: 199,482 claims (counting only years with at least 10). 2026 is a partial year. Claims are counted where the insured property is; they include buildings and contents, homes and businesses.

Counties in Florida

Counties with at least 100 NFIP home policies in force have their own page.

Other counties (fewer policies, no separate page)
CountyHome policiesMedian
Calhoun County79$1,153
Gadsden County77$886
Hamilton County52$1,069
Holmes County97$1,068
Jefferson County78$918
Liberty County13$817
Madison County84$890
Union County64$937

ZIP codes with the most insured homes