Flood Insurance Estimate Calculator
Estimate an annual flood insurance premium from your building and contents coverage and your flood-risk zone.
How it works
Premium ≈ (building ÷ 100 × building rate) + (contents ÷ 100 × contents rate), adjusted for deductible · rates rise with flood-risk zone
Flood damage is excluded from standard homeowners and renters policies, so a separate flood policy — usually through the federal NFIP or a private insurer — is needed. Premiums scale with your coverage amounts and flood risk: properties in high-risk Special Flood Hazard Areas pay far more, and coverage is mandatory there for federally backed mortgages. This is a rough estimate only; the NFIP's Risk Rating 2.0 prices each property individually using elevation, distance to water and rebuild cost.
Worked example
In a moderate-risk zone, $250,000 of building coverage at about $0.28 per $100 plus $100,000 of contents at $0.35 per $100 comes to roughly $1,050 a year before any deductible credit — about $88 a month.
Frequently asked questions
Is flood insurance required?
It is mandatory if you have a federally backed mortgage on a home in a high-risk flood zone. Elsewhere it is optional, but more than 20% of flood claims come from outside high-risk areas, so it is worth considering anywhere.
Why doesn't my homeowners policy cover floods?
Standard home and renters policies specifically exclude flooding from surface water and storm surge. You need a dedicated NFIP or private flood policy, which typically has a 30-day waiting period before coverage begins.
How accurate is this estimate?
It is a ballpark based on typical rate ranges by zone. Actual NFIP pricing under Risk Rating 2.0 depends on your specific elevation, foundation, replacement cost and distance to water, so get a real quote before deciding.
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Educational estimate, not insurance or financial advice — real premiums and coverage depend on underwriting, your state and the specific policy.