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Flood insurance cost · WI

Flood insurance cost in Wisconsin

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 8,478 home policies in force on August 31, 2026.

WisconsinPolicies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$936a year

Half of insured homes paid between $636 and $1,363. That is 13% less than the national median ($1,082). Most insured homes here are rated in zone AE (50%).

$0$636 · $936 · $1,363$1,704
+2.2% vs Aug 31, 2025 (median $916)
8,478home policies in force
$1,114average cost (mean)
59%of insured homes in high-risk zones (A, V)
$242,000median 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 Wisconsin, county by county.

Cost by flood zone in Wisconsin

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		$826$726–$1,183$94714 (0%)+5.1%
Zone AE
High risk		$1,080$747–$1,618$1,3184,260 (50%)+5.1%
Zone A
High risk		$932$652–$1,378$1,100607 (7%)+5.2%
Zone AH
High risk, shallow		$522$456–$669$58576 (1%)+3.2%
Zone X
Moderate to low risk		$780$539–$1,195$8823,511 (41%)−1.4%

Not shown (fewer than 10 home policies): AO, 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 Wisconsin, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home7,725$959$1,136
2–4 unit building359$1,073$1,199
Manufactured (mobile) home118$735$904
Condo or apartment unit276$418$492
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.		494$2,400$2,358
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		1,338$1,499$2,251
10,310NFIP policies in force, any building
10,869insured units (condo association policies count every unit)
61%of home policies also cover contents
$100,000median contents coverage, when bought

One year on: Wisconsin

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 force8,2578,478+2.7%
Median annual cost$916$936+2.2%
Average annual cost$1,064$1,114+4.7%
All policies in force (any building)9,86210,310+4.5%

Flood claims history

Since 1978, NFIP policyholders in Wisconsin have filed 9,522 flood claims. 7,215 received a payment, for a total of $143.2 million (an average of $19,850 per paid claim). The year with the most claims was 2008 (1,548 claims). Amounts are in dollars of the time, not adjusted for inflation.

05001k1.5k2k1978: 142 claims, 91 paid, $194,788 in total1979: 335 claims, 261 paid, $928,360 in total1980: 104 claims, 58 paid, $241,393 in total19801981: 52 claims, 26 paid, $72,414 in total1982: 97 claims, 58 paid, $96,389 in total1983: 54 claims, 30 paid, $123,355 in total1984: 38 claims, 15 paid, $53,519 in total1985: 65 claims, 36 paid, $276,312 in total1986: 413 claims, 252 paid, $1,057,344 in total1987: 16 claims1989: 58 claims, 36 paid, $159,159 in total1990: 185 claims, 115 paid, $857,346 in total19901991: 14 claims1992: 36 claims, 23 paid, $108,640 in total1993: 341 claims, 241 paid, $2,149,330 in total1994: 42 claims, 26 paid, $318,067 in total1995: 24 claims, 10 paid, $378,309 in total1996: 119 claims, 62 paid, $267,944 in total1997: 819 claims, 695 paid, $8,225,032 in total19971998: 793 claims, 658 paid, $7,382,618 in total19981999: 73 claims, 39 paid, $255,039 in total2000: 152 claims, 80 paid, $512,462 in total20002001: 282 claims, 205 paid, $2,466,521 in total2002: 47 claims, 30 paid, $562,652 in total2003: 22 claims, 17 paid, $764,484 in total2004: 261 claims, 195 paid, $1,477,096 in total2005: 16 claims2006: 27 claims, 12 paid, $53,334 in total2007: 184 claims, 150 paid, $3,609,497 in total2008: 1,548 claims, 1,337 paid, $34,676,386 in total20082009: 85 claims, 53 paid, $459,829 in total2010: 511 claims, 399 paid, $7,357,832 in total20102011: 104 claims, 60 paid, $717,961 in total2012: 27 claims, 19 paid, $69,879 in total2013: 127 claims, 81 paid, $1,186,177 in total2014: 65 claims, 37 paid, $540,451 in total2015: 40 claims, 22 paid, $189,723 in total2016: 99 claims, 68 paid, $1,924,407 in total2017: 189 claims, 143 paid, $5,558,484 in total2018: 447 claims, 392 paid, $19,834,144 in total2019: 497 claims, 397 paid, $8,877,444 in total2020: 174 claims, 127 paid, $3,269,748 in total20202021: 33 claims, 20 paid, $216,510 in total2022: 31 claims, 16 paid, $342,490 in total2023: 59 claims, 39 paid, $961,435 in total2024: 35 claims, 24 paid, $834,383 in total2025: 406 claims, 361 paid, $17,182,021 in total2026: 226 claims, 178 paid, $6,330,750 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 (48)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
2026226178$6,330,750$35,566
2025406361$17,182,021$47,596
20243524$834,383$34,766
20235939$961,435$24,652
20223116$342,490$21,406
20213320$216,510$10,826
2020174127$3,269,748$25,746
2019497397$8,877,444$22,361
2018447392$19,834,144$50,597
2017189143$5,558,484$38,871
20169968$1,924,407$28,300
20154022$189,723$8,624
20146537$540,451$14,607
201312781$1,186,177$14,644
20122719$69,879$3,678
201110460$717,961$11,966
2010511399$7,357,832$18,441
20098553$459,829$8,676
20081,5481,337$34,676,386$25,936
2007184150$3,609,497$24,063
20062712$53,334$4,444
200516<10––
2004261195$1,477,096$7,575
20032217$764,484$44,970
20024730$562,652$18,755
2001282205$2,466,521$12,032
200015280$512,462$6,406
19997339$255,039$6,539
1998793658$7,382,618$11,220
1997819695$8,225,032$11,835
199611962$267,944$4,322
19952410$378,309$37,831
19944226$318,067$12,233
1993341241$2,149,330$8,918
19923623$108,640$4,723
199114<10––
1990185115$857,346$7,455
19895836$159,159$4,421
198716<10––
1986413252$1,057,344$4,196
19856536$276,312$7,675
19843815$53,519$3,568
19835430$123,355$4,112
19829758$96,389$1,662
19815226$72,414$2,785
198010458$241,393$4,162
1979335261$928,360$3,557
197814291$194,788$2,141

From 2016 to 2026: 2,196 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 Wisconsin

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

Other counties (fewer policies, no separate page)
CountyHome policiesMedian
Adams County35$1,158
Ashland County20$1,066
Barron County37$1,149
Bayfield County22$734
Buffalo County34$837
Burnett County65$1,154
Calumet County44$686
Chippewa County82$1,432
Clark County17$1,238
Crawford County72$924
Dodge County95$904
Douglas County61$839
Dunn County50$1,384
Eau Claire County86$1,209
Forest County10$668
Grant County64$1,197
Green County39$1,047
Green Lake County34$1,268
Iowa County17$869
Iron County19$825
Jackson County32$1,380
Juneau County64$1,084
Kewaunee County28$966
Lafayette County19$1,237
Langlade County36$850
Lincoln County21$1,287
Manitowoc County57$833
Marinette County81$922
Marquette County45$968
Monroe County90$1,110
Oneida County26$872
Pepin County17$843
Pierce County55$1,202
Polk County35$964
Portage County44$1,060
Price County23$1,033
Richland County17$1,466
Rusk County14$1,250
Sawyer County49$1,047
Shawano County36$1,264
St. Croix County93$1,064
Trempealeau County61$1,471
Vernon County38$1,224
Vilas County18$850
Washburn County40$812
Waushara County58$886
Wood County97$1,205

ZIP codes with the most insured homes