![united-states.png](https://static.wixstatic.com/media/120bb1_d82145f016674ad98ed439d3e54a7113~mv2.png/v1/fill/w_543,h_342,al_c,q_85,usm_0.66_1.00_0.01,enc_auto/united-states.png)
How much is Flood Insurance in the U.S.A.?
FloodPrice.com is pleased to work with some of the nation's largest private flood insurers to provide you with coverage you can trust. Our instant quote tool assesses rates from numerous carriers to get you the best coverage for the lowest price.
How much is Flood Insurance in the United States?
The average cost per policy in the United States through the NFIP is $771.80. Depending on where you live, this average could vary substantially! Premiums can change depending on your deductibles, the cost of your home and contents inside your home. Below we've listed some states with their average NFIP policy costs for reference. If you don't see your state below, check out the links in our footer for your specific state. If you're interested in a quote for a private flood insurance policy to compare costs, we offer a 100% online quote process.
Average Costs through the NFIP
State | Average Cost per Policy |
---|---|
West Virginia | $1,355.20 |
Nebraska | $1,080.44 |
New Hampshire | $1,116.27 |
Rhode Island | $1,458.18 |
Maine | $1,137.96 |
Delaware | $750.87 |
South Dakota | $1,130.76 |
Montana | $908.01 |
North Dakota | $850.37 |
Vermont | $1,651.51 |
Kansas | $1,058.79 |
Wyoming | $1,094.62 |
Prices as of March, 2022.
![angry-man-flood-clr.png](https://static.wixstatic.com/media/120bb1_171b6738de19441fb50b2a0dc0d48c08~mv2.png/v1/fill/w_321,h_408,al_c,q_85,usm_0.66_1.00_0.01,enc_auto/angry-man-flood-clr.png)
Our private flood insurance averages are much lower than those shown above! Get a quote online and find out how much we can save you.
​
Not interested in private flood, or not sure whether you should choose an NFIP policy or a private flood insurance policy? We offer both! Give us a call and we'll answer all of your questions.
Our Prices are Consistently Lower!
How do I get cheap Flood Insurance?
You may be able to save by getting a quote for private flood insurance instead of going through the NFIP. This is an entirely online process, no need to wait for a callback or an email! Once you've received your quote, compare it to what you'd pay through the NFIP. But don't just compare the costs, check what's covered by the NFIP so that if you try to submit a claim, you're not caught off-guard by what is, and isn't, covered.
The cost of a claim can be expensive, most are financially devastated after experiencing a flood if they don't have coverage.
Does my homeowners insurance cover flooding?
Homeowner's insurance generally excludes flood coverage. Obtaining a flood insurance policy is typically left up to the homeowner. If you're looking to get a policy, we offer a 100% online process. You can get a quote started here!
How to Get Flood Insurance Without a Flood Elevation Certificate.
Quality flood insurance is available without the added expense and trouble of getting an elevation certificate. FloodPrice can compare the rates for both private flood insurance and the NFIP to make sure you are getting the right coverage for the best price. Check out our quote page now to find out what coverage we can offer.
![flooded-basement.png](https://static.wixstatic.com/media/120bb1_4cec0f3f8ac547e9a1369c985a9865ad~mv2.png/v1/fill/w_666,h_333,al_c,q_85,usm_0.66_1.00_0.01,enc_auto/flooded-basement.png)
Do I need flood insurance?
Flooding is the most common natural hazard in the United States. Over the past century we've experienced more intense and frequent storms. With climate change, we know that the size of the nation's floodplains will grow by 40 to 45% over the next century, putting more people in harm's way. Damages from flood losses have increased to an average of $10 billion per year! Consider that 20% of flooding happens in areas considered low-risk for floods.
Find out if you're in a flood zone! Enter your address on our FEMA Flood Zone Map lookup tool.
​
If you're ready to get coverage from the most common natural disaster, the first step is obtaining an instant flood insurance quote. Simply click the button below to get started! If you're happy with the price, you can pay online instantly and go from quote to covered in as little as 5 minutes!
Risk Rating 2.0 Pricing.
FEMA's flood program through the NFIP has begun using a new pricing methodology, Risk Rating 2.0. This will impact nearly all NFIP policyholders.
​
New NFIP Policyholders can expect to see these changes October 1st, 2021. If you're an existing policyholder, these rate changes won't affect you until April 1st, 2022.
![usa-pie-chart.png](https://static.wixstatic.com/media/120bb1_72c98eadb22a44a6b423381431ccc056~mv2.png/v1/fill/w_426,h_426,al_c,q_85,usm_0.66_1.00_0.01,enc_auto/usa-pie-chart.png)
If you already have a policy through the NFIP, be sure to compare the Risk Rating 2.0 price to a Private Flood Insurance quote. You could possibly save hundreds of dollars. The time to start comparing prices on your flood insurance is before your policy is set to renews.
The NFIP does not allow mid-term cancellations. This means that once your policy renews, you have no option to cancel it unless you meet very restrictive guidelines, such as the sale of your home. The process can be difficult and frustrating. Here is a link to the guidelines to cancel an NFIP policy mid-term: FEMA Cancellation Form.
What is not covered by the NFIP?
Debris removal, additional living expenses, and belongings located in your basement, aren't covered. You would be required to purchase a secondary policy to cover appurtenant structures, such as a detached garage or shed. Visit their website to see everything that is, or isn't, covered by the NFIP.
​
If you'd like to be free from these limitations and have more options for coverage, consider getting flood insurance from FloodPrice,
![insurance-agent-male-headset-clr.png](https://static.wixstatic.com/media/120bb1_4049f8eaa071404aa72cf4c8208a8bcf~mv2.png/v1/fill/w_402,h_342,al_c,q_85,usm_0.66_1.00_0.01,enc_auto/insurance-agent-male-headset-clr.png)
Need help from a Flood Expert? Call us at 866-503-5663
*Information gathered March, 2022: https://www.arcgis.com/apps/dashboards/ad25fc43b31e46e6a66a4c632d6746f6