Flood insurance cost · Gurabo Municipio, PR

Flood insurance cost in Gurabo 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.

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

Median annual cost of NFIP flood insurance for a home

$381a year

Half of insured homes paid between $360 and $448. That is 19% less than the Puerto Rico median ($470). Most insured homes here are rated in zone AE (90%).

$0$360 · $381 · $448$560

−1.0% vs Aug 31, 2025 (median $385)

103home policies in force

$425average cost (mean)

93%of insured homes in high-risk zones (A, V)

$146,000median 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 Gurabo 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 zone	Median	Middle half (25th–75th percentile)	Average	Policies	vs last year
Zone AE High risk	$381	$362–$451	$420	93 (90%)	−1.0%

Not shown (fewer than 10 home policies): VE, A, AO, AH, A99/AR, X, 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 Gurabo Municipio, by what they insure.

Type of building	Policies	Median	Average
Single-family home	102	$381	$421

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), non-residential building or unit.

107NFIP policies in force, any building

107insured units (condo association policies count every unit)

20%of home policies also cover contents

$40,000median contents coverage, when bought

One year on: Gurabo 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, 2025	Aug 31, 2026	Change
Home policies in force	99	103	+4.0%
Median annual cost	$385	$381	−1.0%
Average annual cost	$431	$425	−1.4%
All policies in force (any building)	105	107	+1.9%

Flood claims history

Since 1978, NFIP policyholders in Gurabo Municipio, Puerto Rico have filed 90 flood claims. 63 received a payment, for a total of $504,421 (an average of $8,007 per paid claim). The year with the most claims was 1979 (18 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 (3)

Swipe the table sideways to see all columns.

Year of loss	Claims	Paid claims	Total paid	Average per paid claim
2017	11	<10	–	–
1979	18	16	$26,651	$1,666
1978	10	<10	–	–

From 2016 to 2026: 11 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)