Flood Insurance Calculator

Estimate flood insurance premiums based on property value, flood zone, and elevation.

Property Value ($)

Flood Zone Risk (1-5)

Floors Above Ground

Deductible ($)

Annual Premium

$740

Monthly Premium

$62

Building Coverage

$250,000

Contents Coverage

$100,000

Flood Insurance Calculator: Estimate Your Premium

Flood insurance protects your home and belongings from flood damage, which is not covered by standard homeowners insurance. The National Flood Insurance Program (NFIP) provides coverage up to $250,000 for buildings and $100,000 for contents.

This calculator estimates your flood insurance premium based on property value, flood zone risk level, building elevation, and deductible amount. High-risk zones (A and V) require significantly higher premiums.

Even homes outside high-risk flood zones can flood. About 25% of flood claims come from moderate-to-low risk areas. FEMA reports that just one inch of flooding can cause $25,000+ in damage.

For related tools, see our home insurance calculator and umbrella insurance calculator.

FAQ

Do I need flood insurance?+

If you are in a high-risk flood zone with a federally-backed mortgage, yes. Even in low-risk areas, flood insurance is recommended as standard homeowners policies exclude flood damage.

How much does flood insurance cost?+

Average NFIP premiums range from $700-$1,500/year. High-risk zones can cost $2,000-$5,000+ per year.

What does flood insurance cover?+

Building coverage includes the structure, foundation, electrical/plumbing, HVAC, and appliances. Contents coverage includes furniture, clothing, and electronics.

Is there a waiting period?+

Yes, NFIP policies have a 30-day waiting period before coverage begins. Plan ahead before flood season.