Flood Insurance Coverage Estimator

Estimate your NFIP flood insurance coverage needs and annual premium range based on your flood zone and property value.

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NFIP (National Flood Insurance Program) building coverage is capped at $250,000 and contents at $100,000 for residential properties. FEMA's Risk Rating 2.0 (effective 2021) prices policies based on flood frequency, distance to water, and first-floor elevation - not just flood zone. Actual premiums may be significantly higher or lower than these estimates. Homes in high-risk zones with federally-backed mortgages are required to carry flood insurance. Private flood insurance may offer higher limits and competitive rates. Always consult a licensed P&C agent.