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Flood insurance cost · Arecibo Municipio, PR

Flood insurance cost in Arecibo Municipio, Puerto Rico

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 103 home policies in force on August 31, 2026.

Arecibo Municipio, Puerto RicoPolicies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$404a year

Half of insured homes paid between $348 and $537. That is 14% less than the Puerto Rico median ($470). Most insured homes here are rated in zone AE (76%).

$0$348 · $404 · $537$671
−1.2% vs Aug 31, 2025 (median $409)
103home policies in force
$447average cost (mean)
86%of insured homes in high-risk zones (A, V)
$113,000median 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 Arecibo Municipio

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		$348$327–$473$40911 (11%)−8.4%
Zone AE
High risk		$404$354–$526$44378 (76%)+2.8%
Zone X
Moderate to low risk		$478$370–$553$49714 (14%)±0.0%

Not shown (fewer than 10 home policies): A, 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 Arecibo Municipio, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home85$398$433
2–4 unit building14$500$521
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		49$788$1,180

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

152NFIP policies in force, any building
152insured units (condo association policies count every unit)
43%of home policies also cover contents
$18,000median contents coverage, when bought

One year on: Arecibo Municipio

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 force95103+8.4%
Median annual cost$409$404−1.2%
Average annual cost$466$447−4.1%
All policies in force (any building)146152+4.1%

Flood claims history

Since 1978, NFIP policyholders in Arecibo Municipio, Puerto Rico have filed 994 flood claims. 893 received a payment, for a total of $11.5 million (an average of $12,854 per paid claim). The year with the most claims was 1985 (354 claims). Amounts are in dollars of the time, not adjusted for inflation.

01002003004001979: 12 claims, 12 paid, $101,007 in total19801981: 54 claims, 45 paid, $311,121 in total1985: 354 claims, 329 paid, $1,763,001 in total19851986: 18 claims, 12 paid, $38,031 in total1987: 30 claims, 28 paid, $285,658 in total1989: 10 claims19901996: 18 claims, 16 paid, $107,810 in total1998: 204 claims, 191 paid, $3,882,052 in total199820002001: 77 claims, 62 paid, $348,189 in total20012005: 15 claims, 12 paid, $77,326 in total2007: 26 claims, 26 paid, $119,580 in total2008: 14 claims, 11 paid, $44,075 in total2009: 14 claims, 14 paid, $86,378 in total2010: 10 claims, 10 paid, $40,780 in total20102017: 36 claims, 34 paid, $2,891,109 in total2020: 13 claims, 12 paid, $224,141 in total20202022: 16 claims, 15 paid, $880,006 in total
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 (17)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
20221615$880,006$58,667
20201312$224,141$18,678
20173634$2,891,109$85,033
20101010$40,780$4,078
20091414$86,378$6,170
20081411$44,075$4,007
20072626$119,580$4,599
20051512$77,326$6,444
20017762$348,189$5,616
1998204191$3,882,052$20,325
19961816$107,810$6,738
198910<10––
19873028$285,658$10,202
19861812$38,031$3,169
1985354329$1,763,001$5,359
19815445$311,121$6,914
19791212$101,007$8,417

From 2016 to 2026: 65 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

Puerto Rico, Commonwealth Of (103 home policies)