2026 Calculator
Flood Insurance Calculator
Estimate your NFIP flood insurance costs
Legal Disclaimer
This estimate is based on projected 2026 data and industry averages. Actual premiums vary by insurer, location, and individual factors. Consult a licensed insurance agent for accurate quotes.
*Based on estimated 2026 projections. Data may not reflect real-time legislative changes.
FAQ
How much does flood insurance cost in 2026?
NFIP flood insurance costs $700-$2,000+ per year depending on flood zone, elevation, and coverage. High-risk zones (A, V) pay significantly more. Risk Rating 2.0 now calculates rates based on individual property risk factors.
Do I need flood insurance if I'm not in a flood zone?
Over 25% of flood claims come from outside high-risk zones. If you have a federally-backed mortgage in a SFHA (Special Flood Hazard Area), it's required. Even in low-risk areas, coverage is recommended and often cheaper.
What's the difference between NFIP and private flood insurance?
NFIP is the federal program with $250K building/$100K contents limits. Private insurers can offer higher limits, additional coverages, and sometimes lower rates. However, private policies may have different terms and cancellation provisions.