Flood Insurance Calculator
Estimate flood insurance costs for your home. Compare NFIP (National Flood Insurance Program) and private flood insurance options based on your flood zone and property details.
Frequently Asked Questions
Do I need flood insurance?
If you have a federally backed mortgage and live in a high-risk flood zone (Zone A or V), flood insurance is required. Even in moderate and low-risk zones, it is recommended -- over 25% of flood claims come from outside high-risk areas. Standard homeowners insurance does not cover flood damage.
What is the difference between NFIP and private flood insurance?
NFIP is the federal flood insurance program with maximum coverage of $250,000 for buildings and $100,000 for contents. Private flood insurance may offer higher limits, broader coverage, and sometimes lower rates. Private policies may also cover additional living expenses, which NFIP does not.
How much does flood insurance cost?
Under NFIP Risk Rating 2.0, the average annual premium is about $900, but costs range from $300 to $4,000+ depending on flood risk, home value, and elevation. Properties in high-risk coastal zones pay the most. Private flood insurance may be cheaper for some properties.