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Flood insurance cost · Philadelphia County, PA

Flood insurance cost in Philadelphia County, Pennsylvania

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 1,249 home policies in force on August 31, 2026.

Philadelphia County, PennsylvaniaPolicies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$943a year

Half of insured homes paid between $694 and $1,330. That is 23% less than the Pennsylvania median ($1,232). Most insured homes here are rated in zone AE (50%).

$0$694 · $943 · $1,330$1,662
+1.9% vs Aug 31, 2025 (median $925)
1,249home policies in force
$1,129average 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.

Cost by flood zone in Philadelphia 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		$991$742–$1,473$1,268629 (50%)+1.6%
Zone A
High risk		$898$702–$1,290$1,017171 (14%)−2.9%
Zone X
Moderate to low risk		$865$628–$1,204$978449 (36%)−1.5%

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 Philadelphia County, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home1,143$968$1,139
2–4 unit building39$996$1,417
Condo or apartment unit66$670$804
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.		143$3,738$6,992
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		249$3,756$4,802

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

1,641NFIP policies in force, any building
3,130insured units (condo association policies count every unit)
68%of home policies also cover contents
$90,000median contents coverage, when bought

One year on: Philadelphia 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 force1,2791,249−2.3%
Median annual cost$925$943+1.9%
Average annual cost$1,113$1,129+1.4%
All policies in force (any building)1,7041,641−3.7%

How many homes have flood insurance?

0.3%of all homes in Philadelphia County have an NFIP policy
–of homes in high-risk zones (special flood hazard area) have one
477,154residential buildings counted by FEMA
0of 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 Philadelphia County, Pennsylvania have filed 1,697 flood claims. 1,322 received a payment, for a total of $47.2 million (an average of $35,735 per paid claim). The year with the most claims was 2020 (250 claims). Amounts are in dollars of the time, not adjusted for inflation.

01002003004001978: 53 claims, 40 paid, $104,710 in total1979: 67 claims, 55 paid, $313,402 in total1980: 77 claims, 68 paid, $308,772 in total19801981: 11 claims1982: 36 claims, 29 paid, $494,384 in total1984: 68 claims, 53 paid, $502,496 in total1985: 60 claims, 39 paid, $356,805 in total1987: 12 claims1989: 37 claims, 13 paid, $24,293 in total19901991: 10 claims1994: 17 claims, 11 paid, $164,817 in total1996: 31 claims, 28 paid, $610,585 in total1999: 227 claims, 193 paid, $6,086,252 in total19992000: 12 claims20002003: 12 claims2004: 127 claims, 112 paid, $1,880,046 in total2005: 28 claims, 18 paid, $329,511 in total2006: 30 claims, 25 paid, $1,192,796 in total2007: 13 claims2009: 18 claims, 10 paid, $54,392 in total2010: 54 claims, 44 paid, $567,339 in total20102011: 119 claims, 95 paid, $2,949,682 in total2012: 11 claims2014: 40 claims, 32 paid, $3,904,004 in total2016: 12 claims2018: 19 claims, 12 paid, $175,534 in total2019: 12 claims2020: 250 claims, 238 paid, $8,616,465 in total202020202021: 140 claims, 120 paid, $17,814,326 in total20212023: 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 (30)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
202311<10––
2021140120$17,814,326$148,453
2020250238$8,616,465$36,204
201912<10––
20181912$175,534$14,628
201612<10––
20144032$3,904,004$122,000
201211<10––
201111995$2,949,682$31,049
20105444$567,339$12,894
20091810$54,392$5,439
200713<10––
20063025$1,192,796$47,712
20052818$329,511$18,306
2004127112$1,880,046$16,786
200312<10––
200012<10––
1999227193$6,086,252$31,535
19963128$610,585$21,807
19941711$164,817$14,983
199110<10––
19893713$24,293$1,869
198712<10––
19856039$356,805$9,149
19846853$502,496$9,481
19823629$494,384$17,048
198111<10––
19807768$308,772$4,541
19796755$313,402$5,698
19785340$104,710$2,618

From 2016 to 2026: 444 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 Philadelphia County

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

Main NFIP communities in the county

Philadelphia (1,249 home policies)