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Flood insurance cost · PA

Flood insurance cost in Pennsylvania

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 30,665 home policies in force on August 31, 2026.

PennsylvaniaPolicies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,232a year

Half of insured homes paid between $864 and $1,770. That is 14% more than the national median ($1,082). Most insured homes here are rated in zone AE (54%).

$0$864 · $1,232 · $1,770$2,212
+11.1% vs Aug 31, 2025 (median $1,109)
30,665home policies in force
$1,494average cost (mean)
66%of insured homes in high-risk zones (A, V)
$198,000median 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 Pennsylvania

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		$1,430$1,326–$1,560$1,83319 (0%)+12.4%
Zone AE
High risk		$1,497$1,040–$2,224$1,79916,477 (54%)+9.6%
Zone A
High risk		$1,310$904–$1,815$1,5213,453 (11%)+7.8%
Zone AO
High risk, shallow		$1,240$751–$1,620$1,304128 (0%)+13.3%
Zone AH
High risk, shallow		$648$533–$813$73274 (0%)−0.6%
Zone A99 / AR
High risk, levee areas		$1,199$1,010–$1,534$1,478208 (1%)+17.0%
Zone X
Moderate to low risk		$1,009$633–$1,252$1,00510,306 (34%)+9.9%

Not shown (fewer than 10 home policies): 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 Pennsylvania, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home27,885$1,227$1,498
2–4 unit building1,765$1,422$1,671
Manufactured (mobile) home511$1,284$1,472
Condo or apartment unit504$576$702
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.		1,079$2,691$4,555
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		6,302$3,188$4,479
38,046NFIP policies in force, any building
41,370insured units (condo association policies count every unit)
62%of home policies also cover contents
$80,000median contents coverage, when bought

One year on: Pennsylvania

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 force32,20630,665−4.8%
Median annual cost$1,109$1,232+11.1%
Average annual cost$1,372$1,494+8.9%
All policies in force (any building)40,03938,046−5.0%

Flood claims history

Since 1978, NFIP policyholders in Pennsylvania have filed 77,060 flood claims. 63,015 received a payment, for a total of $1.4 billion (an average of $22,905 per paid claim). The year with the most claims was 1996 (11,075 claims). Amounts are in dollars of the time, not adjusted for inflation.

05k10k15k20k1978: 2,050 claims, 1,564 paid, $4,852,676 in total1979: 4,577 claims, 3,744 paid, $11,977,357 in total1980: 738 claims, 533 paid, $2,137,877 in total19801981: 1,168 claims, 884 paid, $3,517,405 in total1982: 737 claims, 571 paid, $6,169,216 in total1983: 1,311 claims, 990 paid, $4,381,303 in total1984: 2,726 claims, 2,035 paid, $10,097,605 in total1985: 1,177 claims, 844 paid, $6,845,341 in total1986: 616 claims, 430 paid, $2,847,745 in total1987: 618 claims, 374 paid, $3,816,186 in total1988: 144 claims, 85 paid, $578,182 in total1989: 564 claims, 324 paid, $3,446,180 in total1990: 414 claims, 295 paid, $2,017,503 in total19901991: 176 claims, 121 paid, $1,402,197 in total1992: 168 claims, 101 paid, $1,266,063 in total1993: 1,238 claims, 839 paid, $7,884,467 in total1994: 855 claims, 613 paid, $5,736,271 in total1995: 212 claims, 125 paid, $1,064,396 in total1996: 11,075 claims, 9,354 paid, $138,263,908 in total19961997: 452 claims, 330 paid, $3,533,963 in total1998: 220 claims, 105 paid, $750,233 in total1999: 2,581 claims, 2,105 paid, $63,365,555 in total2000: 631 claims, 464 paid, $6,972,837 in total20002001: 689 claims, 552 paid, $26,137,089 in total2002: 138 claims, 81 paid, $905,537 in total2003: 1,094 claims, 775 paid, $10,437,589 in total2004: 10,120 claims, 8,953 paid, $210,737,540 in total20042005: 2,116 claims, 1,810 paid, $61,025,048 in total2006: 4,281 claims, 3,919 paid, $126,297,782 in total2007: 509 claims, 396 paid, $4,515,951 in total2008: 224 claims, 155 paid, $1,685,793 in total2009: 686 claims, 564 paid, $14,438,142 in total2010: 1,410 claims, 1,098 paid, $19,829,767 in total20102011: 10,592 claims, 9,211 paid, $356,339,816 in total20112012: 398 claims, 249 paid, $3,838,107 in total2013: 782 claims, 652 paid, $12,720,148 in total2014: 713 claims, 552 paid, $16,986,061 in total2015: 253 claims, 168 paid, $2,487,735 in total2016: 292 claims, 210 paid, $4,923,564 in total2017: 532 claims, 414 paid, $10,085,572 in total2018: 2,145 claims, 1,797 paid, $50,396,817 in total2019: 707 claims, 577 paid, $20,231,870 in total2020: 1,302 claims, 1,106 paid, $44,125,632 in total20202021: 2,247 claims, 1,917 paid, $117,077,157 in total2022: 114 claims, 72 paid, $1,793,915 in total2023: 299 claims, 224 paid, $9,348,951 in total2024: 589 claims, 496 paid, $16,672,831 in total2025: 206 claims, 160 paid, $5,988,850 in total2026: 174 claims, 77 paid, $1,377,329 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
202617477$1,377,329$17,887
2025206160$5,988,850$37,430
2024589496$16,672,831$33,615
2023299224$9,348,951$41,736
202211472$1,793,915$24,915
20212,2471,917$117,077,157$61,073
20201,3021,106$44,125,632$39,897
2019707577$20,231,870$35,064
20182,1451,797$50,396,817$28,045
2017532414$10,085,572$24,361
2016292210$4,923,564$23,446
2015253168$2,487,735$14,808
2014713552$16,986,061$30,772
2013782652$12,720,148$19,509
2012398249$3,838,107$15,414
201110,5929,211$356,339,816$38,686
20101,4101,098$19,829,767$18,060
2009686564$14,438,142$25,600
2008224155$1,685,793$10,876
2007509396$4,515,951$11,404
20064,2813,919$126,297,782$32,227
20052,1161,810$61,025,048$33,715
200410,1208,953$210,737,540$23,538
20031,094775$10,437,589$13,468
200213881$905,537$11,179
2001689552$26,137,089$47,350
2000631464$6,972,837$15,028
19992,5812,105$63,365,555$30,102
1998220105$750,233$7,145
1997452330$3,533,963$10,709
199611,0759,354$138,263,908$14,781
1995212125$1,064,396$8,515
1994855613$5,736,271$9,358
19931,238839$7,884,467$9,397
1992168101$1,266,063$12,535
1991176121$1,402,197$11,588
1990414295$2,017,503$6,839
1989564324$3,446,180$10,636
198814485$578,182$6,802
1987618374$3,816,186$10,204
1986616430$2,847,745$6,623
19851,177844$6,845,341$8,111
19842,7262,035$10,097,605$4,962
19831,311990$4,381,303$4,426
1982737571$6,169,216$10,804
19811,168884$3,517,405$3,979
1980738533$2,137,877$4,011
19794,5773,744$11,977,357$3,199
19782,0501,564$4,852,676$3,103

From 2016 to 2026: 8,607 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 Pennsylvania

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

Other counties (fewer policies, no separate page)
CountyHome policiesMedian
Cameron County58$1,013
Clarion County37$1,371
Elk County81$1,311
Forest County19$1,587
Fulton County14$1,120
Greene County87$1,743
Juniata County68$1,331
Mercer County59$1,050
Montour County60$1,146
Potter County76$1,270
Sullivan County55$1,356
Venango County89$1,241

ZIP codes with the most insured homes