Flood Insurance Cost Calculator (NFIP)

The estimate starts from a typical premium: the median of a state's 1,000 most recent NFIP policies effective from January 2025 (FEMA OpenFEMA policy records), or a quote you enter. It scales that premium by your building and contents coverage against the $250,000 / $100,000 Regular Program limits, multiplies it by a zone factor measured on a 5,000-policy national sample (0.84 for X/B/C, 1.14 for A zones, 1.27 for V zones) and lowers it for a higher deductible; the coverage and deductible steps are this site's approximations, not NFIP rate tables. The 18% Reserve Fund Assessment (42 U.S.C. 4017A), the $47 Federal Policy Fee and the HFIAA surcharge are then added, the four parts FEMA counts in a policy's total cost. Under Risk Rating 2.0 a real premium also depends on the building's elevation, distance to water and replacement cost, so treat the result as a planning figure and get a quote.

Source: FEMA OpenFEMA NFIP Redacted Policies (FimaNfipPolicies) · checked 2026-08-25

Each row runs the estimator on the state's median premium with $250,000 building and $100,000 contents coverage, a $1,250 deductible and a primary residence, in a moderate/low-risk zone (X, B, C) and in a Special Flood Hazard Area (A zones). Totals include the 18% reserve assessment, the $47 policy fee and the $25 surcharge.

Median premium: the 1,000 most recent NFIP policies per state with an effective date on or after January 1, 2025, from OpenFEMA FimaNfipPolicies (read 2026-07-31, checked 2026-08-25). A state median mixes every zone and coverage level its policies carry, so a state with many coastal or high-coverage policies shows a higher figure. Coverage limits: 44 CFR 61.6. Reserve Fund Assessment: NFIP Flood Insurance Manual, 18% of the discounted premium. Look up your zone on the FEMA Flood Map Service Center.

• FEMA OpenFEMA API: FimaNfipPolicies (NFIP redacted policies, v2)
• FEMA National Flood Insurance Program
• 44 CFR 61.6, maximum amounts of coverage
• FEMA Flood Map Service Center