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Flood insurance cost · Bucks County, PA

Flood insurance cost in Bucks County, Pennsylvania

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 2,569 home policies in force on August 31, 2026.

Bucks County, PennsylvaniaPolicies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,272a year

Half of insured homes paid between $900 and $1,877. That is 3% more than the Pennsylvania median ($1,232). Most insured homes here are rated in zone AE (62%).

$0$900 · $1,272 · $1,877$2,346
+12.6% vs Aug 31, 2025 (median $1,130)
2,569home policies in force
$1,631average cost (mean)
65%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 Bucks 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 AE
High risk		$1,585$1,132–$2,431$2,0001,601 (62%)+11.5%
Zone A
High risk		$1,370$1,098–$1,679$1,58862 (2%)+0.7%
Zone X
Moderate to low risk		$950$572–$1,233$982906 (35%)+5.1%

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

Type of buildingPoliciesMedianAverage
Single-family home2,432$1,273$1,637
2–4 unit building62$2,128$2,360
Condo or apartment unit70$470$738
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.		100$2,384$4,006
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		293$3,230$4,915

Not shown (fewer than 10 policies): manufactured (mobile) home.

2,962NFIP policies in force, any building
3,148insured units (condo association policies count every unit)
70%of home policies also cover contents
$100,000median contents coverage, when bought

One year on: Bucks 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 force2,6392,569−2.7%
Median annual cost$1,130$1,272+12.6%
Average annual cost$1,479$1,631+10.3%
All policies in force (any building)3,0652,962−3.4%

How many homes have flood insurance?

1.2%of all homes in Bucks County have an NFIP policy
49.2%of homes in high-risk zones (special flood hazard area) have one
212,765residential buildings counted by FEMA
3,468of 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 Bucks County, Pennsylvania have filed 5,261 flood claims. 4,449 received a payment, for a total of $149.6 million (an average of $33,616 per paid claim). The year with the most claims was 2005 (734 claims). Amounts are in dollars of the time, not adjusted for inflation.

02004006008001978: 57 claims, 50 paid, $80,269 in total1979: 96 claims, 71 paid, $288,168 in total1980: 33 claims, 22 paid, $147,101 in total19801981: 13 claims, 11 paid, $25,157 in total1982: 37 claims, 29 paid, $223,652 in total1983: 46 claims, 37 paid, $163,824 in total1984: 116 claims, 92 paid, $838,502 in total1985: 18 claims, 14 paid, $56,950 in total1986: 23 claims, 21 paid, $106,330 in total1987: 27 claims, 19 paid, $230,672 in total1989: 40 claims, 19 paid, $137,063 in total19901992: 24 claims, 16 paid, $122,208 in total1993: 85 claims, 61 paid, $1,277,789 in total1994: 90 claims, 54 paid, $533,001 in total1996: 565 claims, 480 paid, $9,574,680 in total1999: 376 claims, 323 paid, $12,472,873 in total2000: 88 claims, 72 paid, $1,849,663 in total20002001: 131 claims, 105 paid, $2,595,470 in total2003: 38 claims, 27 paid, $145,739 in total2004: 471 claims, 406 paid, $21,035,264 in total2005: 734 claims, 677 paid, $31,234,953 in total20052006: 717 claims, 667 paid, $28,398,247 in total20062007: 52 claims, 42 paid, $338,816 in total2009: 35 claims, 24 paid, $319,692 in total2010: 33 claims, 23 paid, $169,469 in total20102011: 644 claims, 546 paid, $15,529,346 in total20112012: 16 claims2013: 14 claims2014: 25 claims, 18 paid, $165,467 in total2018: 25 claims, 19 paid, $476,114 in total2019: 20 claims, 16 paid, $275,030 in total2020: 55 claims, 48 paid, $3,053,097 in total20202021: 404 claims, 354 paid, $14,864,082 in total2023: 28 claims, 22 paid, $1,789,450 in total2024: 14 claims, 11 paid, $321,274 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 (35)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
20241411$321,274$29,207
20232822$1,789,450$81,339
2021404354$14,864,082$41,989
20205548$3,053,097$63,606
20192016$275,030$17,189
20182519$476,114$25,059
20142518$165,467$9,193
201314<10––
201216<10––
2011644546$15,529,346$28,442
20103323$169,469$7,368
20093524$319,692$13,320
20075242$338,816$8,067
2006717667$28,398,247$42,576
2005734677$31,234,953$46,137
2004471406$21,035,264$51,811
20033827$145,739$5,398
2001131105$2,595,470$24,719
20008872$1,849,663$25,690
1999376323$12,472,873$38,616
1996565480$9,574,680$19,947
19949054$533,001$9,870
19938561$1,277,789$20,947
19922416$122,208$7,638
19894019$137,063$7,214
19872719$230,672$12,141
19862321$106,330$5,063
19851814$56,950$4,068
198411692$838,502$9,114
19834637$163,824$4,428
19823729$223,652$7,712
19811311$25,157$2,287
19803322$147,101$6,686
19799671$288,168$4,059
19785750$80,269$1,605

From 2016 to 2026: 546 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 Bucks County

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

Main NFIP communities in the county

Bristol (424 home policies) · Lower Makefield (255 home policies) · Yardley (183 home policies) · Upper Makefield (138 home policies) · Middletown (125 home policies) · Bensalem (98 home policies)