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Flood insurance cost · Montgomery County, PA

Flood insurance cost in Montgomery County, Pennsylvania

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 2,159 home policies in force on August 31, 2026.

Montgomery County, PennsylvaniaPolicies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,141a year

Half of insured homes paid between $682 and $1,630. That is 7% less than the Pennsylvania median ($1,232). Most insured homes here are rated in zone X (52%).

$0$682 · $1,141 · $1,630$2,038
+11.1% vs Aug 31, 2025 (median $1,027)
2,159home policies in force
$1,394average cost (mean)
48%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 Montgomery 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		$1,640$1,093–$2,554$2,022863 (40%)+11.2%
Zone A
High risk		$1,231$983–$1,667$1,440177 (8%)+2.2%
Zone X
Moderate to low risk		$774$533–$1,200$9011,119 (52%)+1.0%

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 Montgomery County, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home1,978$1,180$1,425
2–4 unit building59$1,468$1,754
Condo or apartment unit121$722$715
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.		118$5,238$6,948
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		403$3,666$4,671

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

2,680NFIP policies in force, any building
3,278insured units (condo association policies count every unit)
77%of home policies also cover contents
$100,000median contents coverage, when bought

One year on: Montgomery 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 force2,3112,159−6.6%
Median annual cost$1,027$1,141+11.1%
Average annual cost$1,299$1,394+7.3%
All policies in force (any building)2,8482,680−5.9%

How many homes have flood insurance?

0.9%of all homes in Montgomery County have an NFIP policy
46.9%of homes in high-risk zones (special flood hazard area) have one
262,652residential buildings counted by FEMA
2,407of 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 Montgomery County, Pennsylvania have filed 6,212 flood claims. 5,091 received a payment, for a total of $185.4 million (an average of $36,411 per paid claim). The year with the most claims was 2011 (811 claims). Amounts are in dollars of the time, not adjusted for inflation.

02505007501k1978: 118 claims, 107 paid, $335,520 in total1979: 396 claims, 348 paid, $2,422,080 in total1980: 38 claims, 26 paid, $258,531 in total19801982: 72 claims, 57 paid, $527,041 in total1983: 91 claims, 74 paid, $395,330 in total1984: 223 claims, 172 paid, $1,661,009 in total1985: 38 claims, 21 paid, $154,775 in total1987: 14 claims1988: 16 claims, 11 paid, $57,198 in total1989: 62 claims, 46 paid, $608,998 in total19901991: 28 claims, 20 paid, $198,127 in total1992: 11 claims1993: 135 claims, 106 paid, $1,440,113 in total1994: 57 claims, 35 paid, $459,030 in total1995: 13 claims1996: 458 claims, 395 paid, $8,315,374 in total1999: 553 claims, 464 paid, $23,716,354 in total19992000: 30 claims, 20 paid, $112,342 in total20002001: 414 claims, 351 paid, $22,112,528 in total2003: 73 claims, 53 paid, $435,116 in total2004: 335 claims, 268 paid, $6,969,613 in total2005: 132 claims, 106 paid, $2,062,902 in total2006: 243 claims, 216 paid, $6,296,703 in total2007: 58 claims, 43 paid, $646,769 in total2008: 11 claims2009: 232 claims, 203 paid, $6,462,870 in total2010: 150 claims, 122 paid, $2,210,266 in total20102011: 811 claims, 668 paid, $25,392,363 in total20112012: 25 claims, 10 paid, $64,739 in total2013: 17 claims, 12 paid, $146,782 in total2014: 169 claims, 138 paid, $3,444,669 in total2015: 12 claims2017: 11 claims2018: 66 claims, 44 paid, $2,060,765 in total2019: 93 claims, 72 paid, $2,766,433 in total2020: 258 claims, 226 paid, $9,794,539 in total20202021: 633 claims, 562 paid, $52,522,522 in total20212023: 27 claims, 16 paid, $346,978 in total2024: 18 claims, 13 paid, $194,668 in total2026: 13 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 (40)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
202613<10––
20241813$194,668$14,974
20232716$346,978$21,686
2021633562$52,522,522$93,456
2020258226$9,794,539$43,339
20199372$2,766,433$38,423
20186644$2,060,765$46,836
201711<10––
201512<10––
2014169138$3,444,669$24,961
20131712$146,782$12,232
20122510$64,739$6,474
2011811668$25,392,363$38,013
2010150122$2,210,266$18,117
2009232203$6,462,870$31,837
200811<10––
20075843$646,769$15,041
2006243216$6,296,703$29,151
2005132106$2,062,902$19,461
2004335268$6,969,613$26,006
20037353$435,116$8,210
2001414351$22,112,528$62,999
20003020$112,342$5,617
1999553464$23,716,354$51,113
1996458395$8,315,374$21,052
199513<10––
19945735$459,030$13,115
1993135106$1,440,113$13,586
199211<10––
19912820$198,127$9,906
19896246$608,998$13,239
19881611$57,198$5,200
198714<10––
19853821$154,775$7,370
1984223172$1,661,009$9,657
19839174$395,330$5,342
19827257$527,041$9,246
19803826$258,531$9,944
1979396348$2,422,080$6,960
1978118107$335,520$3,136

From 2016 to 2026: 1,119 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.

Main NFIP communities in the county

Abington (242 home policies) · Lower Merion (241 home policies) · Whitemarsh (148 home policies) · Upper Dublin (119 home policies) · Springfield (109 home policies) · Horsham (101 home policies)