Flood insurance cost · Wyoming County, PA

Flood insurance cost in Wyoming County, Pennsylvania

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 196 home policies in force on August 31, 2026.

Wyoming County, PennsylvaniaPolicies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,656a year

Half of insured homes paid between $1,259 and $2,517. That is 34% more than the Pennsylvania median ($1,232). Most insured homes here are rated in zone AE (60%).

$0$1,259 · $1,656 · $2,517$3,146

+12.0% vs Aug 31, 2025 (median $1,479)

196home policies in force

$2,092average cost (mean)

79%of insured homes in high-risk zones (A, V)

$165,000median 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 Wyoming 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	$1,861	$1,395–$2,844	$2,344	117 (60%)	+12.1%
Zone A High risk	$1,838	$1,433–$2,421	$2,106	37 (19%)	+18.2%
Zone X Moderate to low risk	$1,280	$1,095–$1,469	$1,379	42 (21%)	+13.3%

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 Wyoming County, by what they insure.

Type of building	Policies	Median	Average
Single-family home	185	$1,678	$2,120
Non-residential building or unit Businesses, churches, farm buildings and other non-residential property.	34	$4,706	$5,428

Not shown (fewer than 10 policies): 2–4 unit building, manufactured (mobile) home, condo or apartment unit, whole residential building (5+ units or condo association).

231NFIP policies in force, any building

231insured units (condo association policies count every unit)

72%of home policies also cover contents

$51,500median contents coverage, when bought

One year on: Wyoming 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	201	196	−2.5%
Median annual cost	$1,479	$1,656	+12.0%
Average annual cost	$1,870	$2,092	+11.9%
All policies in force (any building)	238	231	−2.9%

How many homes have flood insurance?

1.7%of all homes in Wyoming County have an NFIP policy

23.8%of homes in high-risk zones (special flood hazard area) have one

12,001residential buildings counted by FEMA

650of 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 Wyoming County, Pennsylvania have filed 1,213 flood claims. 1,039 received a payment, for a total of $28.8 million (an average of $27,693 per paid claim). The year with the most claims was 2011 (326 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 (11)

Swipe the table sideways to see all columns.

Year of loss	Claims	Paid claims	Total paid	Average per paid claim
2018	19	18	$668,519	$37,140
2011	326	292	$18,217,566	$62,389
2006	127	115	$2,720,079	$23,653
2005	37	30	$341,085	$11,370
2004	163	148	$3,021,431	$20,415
1996	212	187	$2,789,113	$14,915
1993	51	35	$170,553	$4,873
1986	18	18	$54,752	$3,042
1984	53	30	$24,986	$833
1983	70	60	$197,223	$3,287
1979	91	82	$247,925	$3,023

From 2016 to 2026: 19 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

Exeter (34 home policies) · Eaton (30 home policies) · Meshoppen (19 home policies) · Tunkhannock (14 home policies) · Braintrim (11 home policies) · Mehoopany (11 home policies)