Flood Insurance Cost Calculator
About Flood Insurance
Standard homeowners insurance does not cover flood damage. Flood insurance is available through the National Flood Insurance Program (NFIP) or private insurers. Your flood zone — determined by FEMA flood maps — is the single biggest driver of your premium. Zone V coastal properties carry the highest rates, while Zone X properties in low-risk areas pay the least. Having a basement significantly increases risk and premiums. Even if you're not in a high-risk zone, flooding is the most common natural disaster in the U.S.
Frequently Asked Questions
Does homeowners insurance cover floods?
No. Standard homeowners policies explicitly exclude flooding from surface water, storm surge, and overflowing bodies of water. A separate flood insurance policy is required.
What is the NFIP?
The National Flood Insurance Program is a federal program managed by FEMA that provides flood insurance to homeowners, renters, and businesses in participating communities.
How do I find my flood zone?
Visit FEMA's Flood Map Service Center at msc.fema.gov and enter your address. Your lender or insurance agent can also look up your flood zone designation.
Is flood insurance required?
If you have a federally backed mortgage and live in a high-risk flood zone (Zone A or V), federal law requires you to carry flood insurance.
Can I get flood insurance if I'm not in a high-risk zone?
Yes, and it's often very affordable. About 25% of flood claims come from moderate- to low-risk areas, making coverage worthwhile for many homeowners outside high-risk zones.
Results are estimates only. Actual NFIP or private flood insurance premiums depend on specific property elevation, flood zone, coverage limits, and insurer underwriting. Consult a licensed insurance professional for accurate quotes.