National average: $78/month · Rates vary significantly by state and city · Updated September 2026
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This type of insurance provides financial protection against specific risks and losses relevant to your situation. Coverage specifics depend on the policy type, carrier, and endorsements selected. Working with a licensed insurance professional ensures you get the right coverage for your needs.
Flood Insurance rates vary significantly by state due to differences in state laws, claim frequency, weather exposure, and litigation environment. The national average is $78/month — but your state average may be significantly higher or lower. Click your state to see city-level rates and carrier comparisons.
Insurance carriers use a combination of personal factors and location-based data to calculate your premium. Understanding these factors helps you identify where you have the most opportunity to save.
Before you buy flood insurance, run through this checklist. Following these steps ensures you get the right coverage at the best available price — not just the cheapest policy.
Common questions about flood insurance coverage, costs, and how to find the best policy.
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