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Flood insurance cost · PR

Flood insurance cost in Puerto Rico

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 5,479 home policies in force on August 31, 2026.

Puerto RicoPolicies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$470a year

Half of insured homes paid between $366 and $598. That is 57% less than the national median ($1,082). Most insured homes here are rated in zone AE (74%).

$0$366 · $470 · $598$748
−0.6% vs Aug 31, 2025 (median $473)
5,479home policies in force
$586average cost (mean)
88%of insured homes in high-risk zones (A, V)
$138,000median 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.

Disaster declarations: see FEMA declarations and IRS tax relief in Puerto Rico, county by county.

Cost by flood zone in Puerto Rico

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 VE / V
High risk, coastal		$528$380–$576$613135 (2%)±0.0%
Zone AE
High risk		$478$371–$603$6084,047 (74%)−0.2%
Zone A
High risk		$407$352–$534$477242 (4%)+2.5%
Zone AO
High risk, shallow		$392$334–$547$447290 (5%)−0.8%
Zone A99 / AR
High risk, levee areas		$388$355–$424$405106 (2%)−3.5%
Zone X
Moderate to low risk		$495$361–$692$574656 (12%)−1.8%

Not shown (fewer than 10 home policies): AH, 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 Puerto Rico, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home4,401$458$576
2–4 unit building536$571$766
Condo or apartment unit542$488$489
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.		172$2,038$3,344
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		1,030$754$1,282

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

6,681NFIP policies in force, any building
10,977insured units (condo association policies count every unit)
25%of home policies also cover contents
$32,000median contents coverage, when bought

One year on: Puerto Rico

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 force4,6725,479+17.3%
Median annual cost$473$470−0.6%
Average annual cost$584$586+0.3%
All policies in force (any building)5,8366,681+14.5%

Flood claims history

Since 1978, NFIP policyholders in Puerto Rico have filed 25,387 flood claims. 18,592 received a payment, for a total of $161.1 million (an average of $8,667 per paid claim). The year with the most claims was 1998 (4,951 claims). Amounts are in dollars of the time, not adjusted for inflation.

02k4k6k8k1978: 258 claims, 212 paid, $616,730 in total1979: 2,558 claims, 2,022 paid, $6,931,734 in total19791980: 307 claims, 195 paid, $464,530 in total19801981: 1,261 claims, 1,030 paid, $4,230,277 in total1982: 425 claims, 327 paid, $1,007,684 in total1983: 457 claims, 322 paid, $989,847 in total1984: 182 claims, 131 paid, $420,385 in total1985: 2,468 claims, 2,071 paid, $8,343,043 in total19851986: 974 claims, 880 paid, $2,965,311 in total1987: 1,141 claims, 997 paid, $5,863,219 in total1988: 425 claims, 325 paid, $1,059,918 in total1989: 624 claims, 427 paid, $2,092,142 in total1990: 49 claims, 39 paid, $289,345 in total19901991: 33 claims, 26 paid, $228,337 in total1992: 600 claims, 519 paid, $6,016,479 in total1993: 137 claims, 127 paid, $672,381 in total1994: 30 claims, 19 paid, $52,395 in total1995: 93 claims, 65 paid, $437,675 in total1996: 1,797 claims, 1,419 paid, $20,907,197 in total1997: 63 claims, 47 paid, $547,816 in total1998: 4,951 claims, 2,714 paid, $27,066,491 in total19981999: 180 claims, 137 paid, $1,323,592 in total2000: 113 claims, 81 paid, $490,373 in total20002001: 372 claims, 274 paid, $3,010,219 in total2002: 51 claims, 33 paid, $219,440 in total2003: 671 claims, 372 paid, $2,454,792 in total2004: 927 claims, 645 paid, $5,250,032 in total2005: 315 claims, 238 paid, $1,315,219 in total2006: 58 claims, 37 paid, $355,049 in total2007: 145 claims, 97 paid, $489,522 in total2008: 796 claims, 591 paid, $4,064,178 in total2009: 368 claims, 341 paid, $5,669,410 in total2010: 274 claims, 202 paid, $991,122 in total20102011: 788 claims, 488 paid, $3,238,661 in total2012: 139 claims, 115 paid, $1,083,372 in total2013: 242 claims, 194 paid, $2,530,657 in total2014: 24 claims, 16 paid, $87,319 in total2016: 17 claims, 14 paid, $188,973 in total2017: 734 claims, 540 paid, $28,046,377 in total2020: 77 claims, 65 paid, $1,938,856 in total20202022: 174 claims, 144 paid, $5,323,677 in total2023: 21 claims, 15 paid, $575,617 in total2024: 33 claims, 19 paid, $690,123 in total2025: 10 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 (44)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
202510<10––
20243319$690,123$36,322
20232115$575,617$38,374
2022174144$5,323,677$36,970
20207765$1,938,856$29,829
2017734540$28,046,377$51,938
20161714$188,973$13,498
20142416$87,319$5,457
2013242194$2,530,657$13,045
2012139115$1,083,372$9,421
2011788488$3,238,661$6,637
2010274202$991,122$4,907
2009368341$5,669,410$16,626
2008796591$4,064,178$6,877
200714597$489,522$5,047
20065837$355,049$9,596
2005315238$1,315,219$5,526
2004927645$5,250,032$8,140
2003671372$2,454,792$6,599
20025133$219,440$6,650
2001372274$3,010,219$10,986
200011381$490,373$6,054
1999180137$1,323,592$9,661
19984,9512,714$27,066,491$9,973
19976347$547,816$11,656
19961,7971,419$20,907,197$14,734
19959365$437,675$6,733
19943019$52,395$2,758
1993137127$672,381$5,294
1992600519$6,016,479$11,592
19913326$228,337$8,782
19904939$289,345$7,419
1989624427$2,092,142$4,900
1988425325$1,059,918$3,261
19871,141997$5,863,219$5,881
1986974880$2,965,311$3,370
19852,4682,071$8,343,043$4,029
1984182131$420,385$3,209
1983457322$989,847$3,074
1982425327$1,007,684$3,082
19811,2611,030$4,230,277$4,107
1980307195$464,530$2,382
19792,5582,022$6,931,734$3,428
1978258212$616,730$2,909

From 2016 to 2026: 1,066 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.

Counties in Puerto Rico

Counties with at least 100 NFIP home policies in force have their own page.

Other counties (fewer policies, no separate page)
CountyHome policiesMedian
Aguada Municipio65$507
Aguadilla Municipio25$638
Aibonito Municipio29$487
Arroyo Municipio10$392
Añasco Municipio55$354
Cabo Rojo Municipio71$387
Cataño Municipio32$804
Cayey Municipio27$533
Ceiba Municipio12$332
Coamo Municipio36$470
Fajardo Municipio48$526
Guayama Municipio61$360
Guayanilla Municipio15$394
Guaynabo Municipio83$467
Guánica Municipio20$451
Isabela Municipio18$550
Juana Díaz Municipio31$376
Loíza Municipio50$426
Luquillo Municipio25$538
Manatí Municipio41$336
Naguabo Municipio36$337
Patillas Municipio51$434
Peñuelas Municipio11$369
Rincón Municipio19$581
Río Grande Municipio58$474
San Germán Municipio26$394
San Sebastián Municipio13$465
Santa Isabel Municipio14$346
Toa Alta Municipio24$389
Trujillo Alto Municipio26$441
Utuado Municipio22$562
Vega Alta Municipio27$561
Vega Baja Municipio90$418
Yabucoa Municipio38$341
Yauco Municipio20$464

ZIP codes with the most insured homes