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Flood insurance cost · San Juan Municipio, PR

Flood insurance cost in San Juan Municipio, Puerto Rico

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 748 home policies in force on August 31, 2026.

San Juan Municipio, Puerto RicoPolicies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$593a year

Half of insured homes paid between $468 and $874. That is 26% more than the Puerto Rico median ($470). Most insured homes here are rated in zone AE (84%).

$0$468 · $593 · $874$1,092
−1.7% vs Aug 31, 2025 (median $603)
748home policies in force
$1,015average cost (mean)
86%of insured homes in high-risk zones (A, V)
$179,000median 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 San Juan 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		$528$528–$559$96012 (2%)–
Zone AE
High risk		$597$474–$865$1,062629 (84%)−1.8%
Zone X
Moderate to low risk		$609$425–$974$736104 (14%)+4.3%

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 San Juan Municipio, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home513$597$1,038
2–4 unit building133$723$1,268
Condo or apartment unit102$420$571
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.		72$1,597$3,529
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		188$952$2,174

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

1,008NFIP policies in force, any building
3,047insured units (condo association policies count every unit)
29%of home policies also cover contents
$59,500median contents coverage, when bought

One year on: San Juan 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 force632748+18.4%
Median annual cost$603$593−1.7%
Average annual cost$987$1,015+2.8%
All policies in force (any building)8821,008+14.3%

Flood claims history

Since 1978, NFIP policyholders in San Juan Municipio, Puerto Rico have filed 3,107 flood claims. 2,428 received a payment, for a total of $37.8 million (an average of $15,549 per paid claim). The year with the most claims was 1979 (456 claims). Amounts are in dollars of the time, not adjusted for inflation.

02004006008001978: 83 claims, 74 paid, $264,565 in total1979: 456 claims, 422 paid, $1,878,849 in total19791980: 14 claims19801981: 137 claims, 122 paid, $954,052 in total1982: 66 claims, 55 paid, $120,889 in total1983: 41 claims, 32 paid, $151,277 in total1985: 40 claims, 28 paid, $260,746 in total1986: 42 claims, 36 paid, $262,460 in total1987: 45 claims, 36 paid, $338,872 in total1988: 23 claims, 16 paid, $107,902 in total1989: 86 claims, 66 paid, $563,719 in total19901992: 119 claims, 110 paid, $1,896,732 in total1993: 39 claims, 37 paid, $353,431 in total1995: 20 claims, 14 paid, $99,966 in total1996: 412 claims, 342 paid, $8,258,974 in total19961997: 13 claims, 11 paid, $62,109 in total1998: 297 claims, 78 paid, $968,194 in total19981999: 86 claims, 69 paid, $638,319 in total2000: 19 claims, 16 paid, $152,747 in total20002001: 27 claims, 14 paid, $74,304 in total2003: 32 claims, 15 paid, $440,018 in total2004: 97 claims, 74 paid, $729,287 in total2005: 28 claims, 18 paid, $296,079 in total2006: 20 claims, 17 paid, $237,445 in total2007: 11 claims2008: 35 claims, 26 paid, $529,642 in total2009: 280 claims, 270 paid, $5,063,315 in total2010: 20 claims, 10 paid, $140,735 in total20102011: 166 claims, 128 paid, $772,162 in total2013: 125 claims, 109 paid, $1,623,537 in total2017: 138 claims, 99 paid, $8,037,168 in total20202022: 12 claims2023: 12 claims, 11 paid, $551,561 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 (33)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
20231211$551,561$50,142
202212<10––
201713899$8,037,168$81,184
2013125109$1,623,537$14,895
2011166128$772,162$6,033
20102010$140,735$14,074
2009280270$5,063,315$18,753
20083526$529,642$20,371
200711<10––
20062017$237,445$13,967
20052818$296,079$16,449
20049774$729,287$9,855
20033215$440,018$29,335
20012714$74,304$5,307
20001916$152,747$9,547
19998669$638,319$9,251
199829778$968,194$12,413
19971311$62,109$5,646
1996412342$8,258,974$24,149
19952014$99,966$7,140
19933937$353,431$9,552
1992119110$1,896,732$17,243
19898666$563,719$8,541
19882316$107,902$6,744
19874536$338,872$9,413
19864236$262,460$7,291
19854028$260,746$9,312
19834132$151,277$4,727
19826655$120,889$2,198
1981137122$954,052$7,820
198014<10––
1979456422$1,878,849$4,452
19788374$264,565$3,575

From 2016 to 2026: 162 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 (747 home policies)