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Flood insurance cost · Ponce Municipio, PR

Flood insurance cost in Ponce Municipio, Puerto Rico

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 370 home policies in force on August 31, 2026.

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

Median annual cost of NFIP flood insurance for a home

$374a year

Half of insured homes paid between $333 and $470. That is 20% less than the Puerto Rico median ($470). The most common flood zone for insured homes here is zone AO (46%).

$0$333 · $374 · $470$588
−2.1% vs Aug 31, 2025 (median $382)
370home policies in force
$420average cost (mean)
96%of insured homes in high-risk zones (A, V)
$130,000median 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 Ponce 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 AE
High risk		$360$332–$419$396164 (44%)−1.9%
Zone A
High risk		$438$342–$526$44016 (4%)+4.5%
Zone AO
High risk, shallow		$388$339–$531$437169 (46%)+0.5%
Zone X
Moderate to low risk		$420$365–$556$48414 (4%)−11.0%

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

Type of buildingPoliciesMedianAverage
Single-family home305$380$427
2–4 unit building28$388$442
Condo or apartment unit37$303$348
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		90$675$989

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

463NFIP policies in force, any building
521insured units (condo association policies count every unit)
9%of home policies also cover contents
$20,000median contents coverage, when bought

One year on: Ponce 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 force298370+24.2%
Median annual cost$382$374−2.1%
Average annual cost$431$420−2.6%
All policies in force (any building)389463+19.0%

Flood claims history

Since 1978, NFIP policyholders in Ponce Municipio, Puerto Rico have filed 609 flood claims. 377 received a payment, for a total of $3,057,062 (an average of $8,109 per paid claim). The year with the most claims was 1979 (105 claims). Amounts are in dollars of the time, not adjusted for inflation.

0501001502001979: 105 claims, 56 paid, $184,770 in total197919801981: 13 claims1982: 13 claims1985: 41 claims, 33 paid, $222,671 in total1987: 42 claims, 34 paid, $150,967 in total1988: 13 claims1990: 10 claims19901992: 50 claims, 47 paid, $606,344 in total19921996: 18 claims1998: 73 claims, 23 paid, $117,741 in total19982000: 26 claims, 18 paid, $95,865 in total20002003: 33 claims, 21 paid, $149,247 in total2005: 14 claims, 12 paid, $74,974 in total2008: 50 claims, 39 paid, $565,116 in total20102011: 24 claims, 15 paid, $94,748 in total2017: 20 claims, 11 paid, $189,329 in total2020
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 (16)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
20172011$189,329$17,212
20112415$94,748$6,317
20085039$565,116$14,490
20051412$74,974$6,248
20033321$149,247$7,107
20002618$95,865$5,326
19987323$117,741$5,119
199618<10––
19925047$606,344$12,901
199010<10––
198813<10––
19874234$150,967$4,440
19854133$222,671$6,748
198213<10––
198113<10––
197910556$184,770$3,299

From 2016 to 2026: 20 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

Ponce, Muncipality Of (317 home policies) · Puerto Rico, Commonwealth Of (51 home policies)