Flood Insurance Calculator
Flood Insurance Premium Estimator
Estimate flood insurance costs based on flood zone and property characteristics
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Formula
Annual Premium = (Building Coverage / 100 × Zone Rate × Building Factor × Deductible Factor) + (Contents Coverage / 100 × Contents Rate × Factors) + ICC Premium + Fees.
Frequently Asked Questions
Do I need flood insurance?
If you have a federally-backed mortgage in a high-risk flood zone (A or V zones), flood insurance is required. Even in moderate/low risk areas, it's recommended - about 25% of flood claims come from outside high-risk zones. Standard homeowner's insurance does not cover floods.
How much does flood insurance cost?
The national average NFIP premium is about $800-$900/year, but it varies dramatically. High-risk zones can cost $2,000-$5,000+ annually, while preferred risk policies in low-risk zones can cost as little as $300-$500/year.
What does flood insurance cover?
NFIP covers up to $250,000 for building coverage and $100,000 for contents in residential properties. It covers structural damage, electrical/plumbing systems, appliances, and personal belongings. It does not cover living expenses, currency, cars, or outdoor property.
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