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Flood insurance cost · Hillsborough County, FL

Flood insurance cost in Hillsborough County, Florida

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 49,452 home policies in force on August 31, 2026.

Hillsborough County, FloridaPolicies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,162a year

Half of insured homes paid between $699 and $2,111. That is 14% more than the Florida median ($1,017). Most insured homes here are rated in zone AE (59%).

$0$699 · $1,162 · $2,111$2,639
+11.7% vs Aug 31, 2025 (median $1,040)
49,452home policies in force
$1,719average cost (mean)
62%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.

Cost by flood zone in Hillsborough County

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		$3,798$1,718–$6,775$4,324166 (0%)+0.3%
Zone AE
High risk		$1,754$1,120–$3,079$2,33629,011 (59%)+10.7%
Zone A
High risk		$761$586–$1,014$8641,491 (3%)+3.1%
Zone X
Moderate to low risk		$720$535–$1,080$81218,782 (38%)+1.6%

Not shown (fewer than 10 home policies): AO, AH, A99/AR, D. 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 Hillsborough County, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home45,973$1,204$1,761
2–4 unit building648$1,309$1,998
Manufactured (mobile) home1,059$1,011$1,321
Condo or apartment unit1,772$594$777
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.		1,645$3,257$7,028
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		2,964$2,489$4,249
54,061NFIP policies in force, any building
63,246insured units (condo association policies count every unit)
77%of home policies also cover contents
$100,000median contents coverage, when bought

One year on: Hillsborough County

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 force52,07849,452−5.0%
Median annual cost$1,040$1,162+11.7%
Average annual cost$1,566$1,719+9.8%
All policies in force (any building)56,78854,061−4.8%

How many homes have flood insurance?

12.1%of all homes in Hillsborough County have an NFIP policy
61.4%of homes in high-risk zones (special flood hazard area) have one
448,186residential buildings counted by FEMA
56,828of them in high-risk zones

FEMA NFIP Residential Penetration Rates, data as of August 3, 2026: residential contracts in force divided by residential structures.

Flood claims history

Since 1978, NFIP policyholders in Hillsborough County, Florida have filed 18,568 flood claims. 14,452 received a payment, for a total of $1.2 billion (an average of $81,718 per paid claim). The year with the most claims was 2024 (10,270 claims). Amounts are in dollars of the time, not adjusted for inflation.

05k10k15k20k1979: 319 claims, 215 paid, $730,511 in total1980: 10 claims19801981: 35 claims, 15 paid, $34,522 in total1982: 407 claims, 302 paid, $1,299,143 in total1983: 43 claims, 10 paid, $17,700 in total1985: 1,270 claims, 1,000 paid, $12,781,626 in total19851987: 49 claims, 12 paid, $42,307 in total1988: 422 claims, 234 paid, $1,747,993 in total1989: 22 claims, 11 paid, $53,218 in total19901991: 32 claims, 23 paid, $30,727 in total1992: 22 claims1993: 426 claims, 282 paid, $3,653,671 in total1994: 36 claims, 11 paid, $132,911 in total1995: 77 claims, 34 paid, $278,950 in total1996: 726 claims, 610 paid, $11,401,028 in total1997: 361 claims, 218 paid, $1,830,210 in total1998: 179 claims, 86 paid, $523,955 in total1999: 15 claims2000: 91 claims, 46 paid, $404,104 in total20002001: 141 claims, 83 paid, $1,171,470 in total2002: 88 claims, 48 paid, $750,607 in total2003: 75 claims, 41 paid, $547,614 in total2004: 821 claims, 602 paid, $12,314,196 in total20042005: 26 claims2006: 68 claims, 44 paid, $795,684 in total2007: 21 claims2008: 29 claims, 11 paid, $112,307 in total2009: 66 claims, 33 paid, $389,844 in total2010: 31 claims20102011: 71 claims, 31 paid, $388,116 in total2012: 222 claims, 119 paid, $1,613,192 in total2013: 33 claims, 14 paid, $142,740 in total2014: 66 claims, 36 paid, $802,653 in total2015: 675 claims, 481 paid, $12,728,730 in total2016: 98 claims, 33 paid, $605,110 in total2017: 357 claims, 182 paid, $5,978,625 in total2018: 43 claims, 10 paid, $219,591 in total2019: 48 claims, 13 paid, $139,972 in total2020: 200 claims, 139 paid, $7,167,635 in total20202021: 67 claims, 23 paid, $542,562 in total2022: 113 claims, 36 paid, $429,410 in total2023: 324 claims, 267 paid, $20,991,221 in total2024: 10,270 claims, 9,049 paid, $1,077,261,670 in total20242025: 31 claims2026: 11 claims
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 (45)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
202611<10––
202531<10––
202410,2709,049$1,077,261,670$119,048
2023324267$20,991,221$78,619
202211336$429,410$11,928
20216723$542,562$23,590
2020200139$7,167,635$51,566
20194813$139,972$10,767
20184310$219,591$21,959
2017357182$5,978,625$32,850
20169833$605,110$18,337
2015675481$12,728,730$26,463
20146636$802,653$22,296
20133314$142,740$10,196
2012222119$1,613,192$13,556
20117131$388,116$12,520
201031<10––
20096633$389,844$11,813
20082911$112,307$10,210
200721<10––
20066844$795,684$18,084
200526<10––
2004821602$12,314,196$20,455
20037541$547,614$13,356
20028848$750,607$15,638
200114183$1,171,470$14,114
20009146$404,104$8,785
199915<10––
199817986$523,955$6,092
1997361218$1,830,210$8,395
1996726610$11,401,028$18,690
19957734$278,950$8,204
19943611$132,911$12,083
1993426282$3,653,671$12,956
199222<10––
19913223$30,727$1,336
19892211$53,218$4,838
1988422234$1,747,993$7,470
19874912$42,307$3,526
19851,2701,000$12,781,626$12,782
19834310$17,700$1,770
1982407302$1,299,143$4,302
19813515$34,522$2,301
198010<10––
1979319215$730,511$3,398

From 2016 to 2026: 11,562 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.

ZIP codes in Hillsborough County

ZIP codes with at least 300 NFIP home policies in force have their own page.

Main NFIP communities in the county

Unincorporated Hillsborough County (30,572 home policies) · Tampa (17,885 home policies) · Plant City (664 home policies) · Temple Terrace (324 home policies)