Free self-assessment
Am I Paying Too Much for Flood Insurance?
Find out in seconds whether your flood insurance price is high, normal or low, using real quotes we prepared in your state. No phone number and no email needed.
Compare Your Flood Insurance Price
Enter your ZIP code to see what homes in your state really pay, based on real quotes we have prepared. No phone number, no email needed to see your result.
Want a sharper answer? Answer up to 5 quick questions (optional)
Get A Second Opinion On Your Price
We compare federal and private flood policies for your home, side by side, at no cost. If your current policy is the best fit, we'll tell you that too.
These ranges come from real residential flood insurance quotes The Flood Insurance Guru prepared, including quotes that did not become policies, and they include our $300 agency fee. They are an educational comparison, not a quote or an offer of coverage. Your price depends on your home's elevation, distance to water, rebuild cost, coverage and deductible. Speak with a licensed agent before changing your policy. If you have a mortgage, check with your lender for its flood insurance requirements.
Why this matters
Your renewal shows one number. Nobody shows you what your neighbors pay.
Flood insurance is one of the few bills you have nothing to compare against. The price goes up at renewal, the letter doesn't say why, and you are left wondering whether you are getting a fair deal.
You shouldn't have to guess about the price of protecting your home. So we published what real homes in your state pay, based on the quotes we prepared.
Who is behind these numbers
I have sat on your side of the table
Years ago I bought a house in a flood zone, and my insurance agent gave me the wrong information. I almost lost that house. That is why I started an agency that sells flood insurance and nothing else.
Today my team compares federal (NFIP) and private flood policies for homeowners in every state, and the ranges on this page come straight from those quotes. You see the same numbers we do.
Chris Greene, Founder, The Flood Insurance Guru
- 10,000+flood claims we have helped clients through over the last decade
- 2,000+of those during Hurricanes Helene and Debby
- Flood onlyno home, auto or life to sell you, ever
How it works
Get a second opinion in three steps
- Check your priceEnter your ZIP code and what you pay. You see where you land against real quotes in your state in seconds.
- Get a side by side comparisonWe quote federal (NFIP) and private flood policies for your home at no cost, so you can see every real option.
- Keep what fitsSwitch if a better policy fits your home, or keep the one you have. If it is already your best option, we will tell you.
The honest answer
When we will tell you to keep your policy
A second opinion only helps if it is honest. Here is when we will tell you to stay put:
- Your price is already fair. If you land in the middle range or below and your coverage fits your home, there is nothing to fix.
- Your home has a long history of flood claims. For homes with repeated losses, the NFIP is often the safer long term choice.
- Leaving the NFIP has a catch. If you move to a private policy and later come back, you return at the full risk premium. We weigh that before we ever suggest a switch.
One more thing most agencies won't say out loud: our quotes include our $300 agency fee, and so do the ranges on this page. No surprises later.
What is at stake
What a fair price gets you
Without a second opinion
- You pay whatever the renewal says, year after year.
- A cheaper policy you find on your own can leave gaps you only discover at claim time.
- You keep wondering whether you are overpaying.
With a second opinion
- You know your price is fair for your home and your state.
- Your coverage fits the home you actually have.
- You stop guessing every time the renewal arrives.
Find out if you are paying too much
A second opinion costs nothing, and you don't need to give us a phone number to start.
What people really pay for flood insurance
Most homeowners have no way to tell whether their flood insurance price is fair. Your renewal shows one number, and nobody shows you what your neighbors pay. This tool fixes that. Enter your ZIP code and your yearly premium, and you will see where you land against real residential flood quotes we prepared in your state.
The ranges below show the middle half of homes we quoted in each state, which means one in four homes paid less than the low number and one in four paid more than the high number. Every figure includes our $300 agency fee.
| State | Middle half of homes pay | Typical home | Quotes |
|---|---|---|---|
| Alabama | $742 to $1,579 | $1,043 | 634 |
| Arizona | $540 to $932 | $689 | 57 |
| California | $683 to $1,468 | $957 | 76 |
| Connecticut | $1,139 to $3,758 | $1,732 | 55 |
| Florida | $1,041 to $6,146 | $2,453 | 336 |
| Georgia | $468 to $945 | $617 | 330 |
| Illinois | $716 to $1,378 | $1,029 | 37 |
| Indiana | $650 to $1,217 | $897 | 85 |
| Kentucky | $680 to $2,684 | $1,060 | 72 |
| Michigan | $488 to $967 | $606 | 34 |
| Minnesota | $641 to $1,124 | $800 | 35 |
| Mississippi | $753 to $2,018 | $1,242 | 57 |
| Missouri | $725 to $1,512 | $928 | 84 |
| Nevada | $597 to $1,082 | $768 | 33 |
| New Jersey | $1,049 to $2,750 | $1,630 | 40 |
| North Carolina | $716 to $1,628 | $1,051 | 77 |
| Ohio | $764 to $1,198 | $899 | 82 |
| Oklahoma | $567 to $975 | $842 | 32 |
| Oregon | $586 to $1,505 | $821 | 48 |
| Pennsylvania | $824 to $2,235 | $1,181 | 66 |
| South Carolina | $794 to $2,618 | $1,619 | 42 |
| Tennessee | $474 to $1,075 | $731 | 365 |
| Texas | $871 to $1,947 | $1,137 | 300 |
| Virginia | $817 to $1,546 | $1,175 | 84 |
| Washington | $749 to $1,892 | $926 | 46 |
| West Virginia | $647 to $1,559 | $1,055 | 66 |
| Wisconsin | $660 to $1,412 | $909 | 30 |
States with fewer quotes still appear in the tool above, marked as a smaller sample.
What makes one flood policy cost more than another
- Rebuild cost. The more it would cost to rebuild your home, the more coverage it needs and the higher the price. NFIP building coverage stops at $250,000.
- Distance to water. Being close to a river, a lake, a creek or the coast raises the price.
- Elevation. Homes that sit lower than nearby flood levels cost more to insure.
- Primary home or not. NFIP policies on second homes and rentals carry an extra yearly surcharge.
- NFIP or private. The two are priced differently, so comparing both is where most savings show up.
Your flood zone matters less than most people think. It decides whether your lender requires flood insurance, but it does little to set the price.
Frequently asked questions
How do I know if I'm paying too much for flood insurance?
Compare your yearly premium with what similar homes in your state pay. If you pay more than about three in four homes we have quoted in your state, it is worth getting a second opinion that compares federal (NFIP) and private flood policies side by side.
What is the average cost of flood insurance?
It depends on the state and the home. In the residential quotes we prepared, the typical home paid about $1,043 a year in Alabama, $731 in Tennessee, $1,137 in Texas and $2,453 in Florida. Use the tool above to see the range for your state.
Why is my flood insurance so expensive?
Three things drive most of the price: what it would cost to rebuild your home, how close it sits to water, and its elevation. How much coverage you carry and whether it is your primary home matter too, while your flood zone matters less than most people think. A high price is not always wrong, but it is the best time to compare options.
Is private flood insurance cheaper than NFIP?
Sometimes. Private companies price each home on their own models, so the same home can cost much more or much less than its NFIP rate. The only way to know is to quote both.
Does a higher deductible lower my flood insurance price?
On NFIP policies it saves very little: moving from a $1,000 to a $5,000 deductible typically saves about 2.5 percent. On private policies, deductibles above $2,000 can make a bigger difference.
Where do these price ranges come from?
They come from real residential flood insurance quotes The Flood Insurance Guru prepared, including quotes that did not become policies. They include our $300 agency fee. We refresh them every month. They are an educational comparison, not a quote.
Related tools
- Flood insurance cost estimator
- Flood coverage builder
- Do I need flood insurance?
- Find your flood zone
- Request a flood insurance quote
Who wrote this
Chris Greene is the founder of Flood Insurance Guru, a flood-only insurance agency. He has helped clients through more than 10,000 flood claims over the last decade, including more than 2,000 during Hurricanes Helene and Debby. This page is educational. It is not a quote, a policy or a coverage decision. Always read your own policy and check with your lender for the exact flood insurance requirements on your loan.