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Flood Insurance Cost Calculator 2026

Get an instant NFIP vs private flood insurance estimate. Free, based on FEMA Risk Rating 2.0 and current private market rates.

Property Details

FEMA Flood Zone Property Value (rebuild cost) Property Type State Coverage Limits Needed

📋 NFIP (Federal)

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⭐ Private Flood (Recommended)

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How This Calculator Works

Estimates use FEMA Risk Rating 2.0 averages and private flood insurance rate data from Neptune Flood, Better Flood Insurance, and Aon Edge. Adjustments based on:

→ FEMA flood zone — Drives 60% of NFIP pricing
→ Property type & elevation — Slab vs piers, basement vs no basement
→ Coverage limits — NFIP capped at $250K building / $100K contents
→ State risk — Florida, Louisiana, NJ have highest claims history

⚠️ Estimates are educational only. Your actual rate depends on elevation certificate, exact property location, claims history, and individual underwriting.