Flood insurance cost · Susquehanna County, PA

Flood insurance cost in Susquehanna County, Pennsylvania

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 174 home policies in force on August 31, 2026.

Susquehanna County, PennsylvaniaPolicies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,504a year

Half of insured homes paid between $1,209 and $2,255. That is 22% more than the Pennsylvania median ($1,232). Most insured homes here are rated in zone AE (55%).

$0$1,209 · $1,504 · $2,255$2,819

+12.5% vs Aug 31, 2025 (median $1,337)

174home policies in force

$1,854average cost (mean)

74%of insured homes in high-risk zones (A, V)

$150,000median 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 Susquehanna 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 zone	Median	Middle half (25th–75th percentile)	Average	Policies	vs last year
Zone AE High risk	$1,878	$1,450–$2,788	$2,201	95 (55%)	+11.0%
Zone A High risk	$1,581	$1,223–$1,955	$1,773	33 (19%)	+10.0%
Zone X Moderate to low risk	$1,198	$990–$1,379	$1,197	46 (26%)	+16.5%

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 Susquehanna County, by what they insure.

Type of building	Policies	Median	Average
Single-family home	147	$1,415	$1,799
2–4 unit building	14	$2,904	$2,526
Manufactured (mobile) home	13	$1,581	$1,763
Non-residential building or unit Businesses, churches, farm buildings and other non-residential property.	29	$3,744	$3,972

Not shown (fewer than 10 policies): condo or apartment unit, whole residential building (5+ units or condo association).

205NFIP policies in force, any building

205insured units (condo association policies count every unit)

57%of home policies also cover contents

$51,500median contents coverage, when bought

One year on: Susquehanna 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, 2025	Aug 31, 2026	Change
Home policies in force	189	174	−7.9%
Median annual cost	$1,337	$1,504	+12.5%
Average annual cost	$1,699	$1,854	+9.1%
All policies in force (any building)	222	205	−7.7%

How many homes have flood insurance?

1.1%of all homes in Susquehanna County have an NFIP policy

19.4%of homes in high-risk zones (special flood hazard area) have one

15,441residential buildings counted by FEMA

674of 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 Susquehanna County, Pennsylvania have filed 505 flood claims. 445 received a payment, for a total of $13.4 million (an average of $30,017 per paid claim). The year with the most claims was 2011 (151 claims). Amounts are in dollars of the time, not adjusted for inflation.

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 (8)

Swipe the table sideways to see all columns.

Year of loss	Claims	Paid claims	Total paid	Average per paid claim
2018	39	37	$1,692,727	$45,749
2011	151	132	$5,998,332	$45,442
2006	124	118	$4,079,187	$34,569
2005	18	13	$198,993	$15,307
2004	39	34	$600,689	$17,667
1996	38	36	$310,793	$8,633
1993	15	14	$88,720	$6,337
1979	12	12	$34,777	$2,898

From 2016 to 2026: 39 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

Great Bend (39 home policies) · New Milford (26 home policies) · Lanesboro (12 home policies) · Hallstead (11 home policies)