Flood insurance data briefing
Average premium on NFIP policies written or renewed reached a 13-month high in May 2026
The average annual premium among NFIP policies written or renewed in May 2026 was $982, up 7.7% from the same month a year earlier. The measure is a transaction signal, not FEMA’s official in-force average.
State premium map
NFIP annual average premium by state
Select a geography to compare policies newly written or renewed in the source month. It does not show flood risk or the average across all policies in force.
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National
$982
average annual premium- 12-month change from May 2025
- +7.7%
- Under $750
- $750–$899
- $900–$1,049
- $1,050–$1,249
- $1,250+
- Not reported
National average premium series with 13 monthly observations. The minimum was $904 in October 2025, and the maximum was $982 in May 2026.
| Reporting month | Average annual premium |
|---|---|
| May 2025 | $912 |
| June 2025 | $931 |
| July 2025 | $918 |
| August 2025 | $938 |
| September 2025 | $915 |
| October 2025 | $904 |
| November 2025 | $919 |
| December 2025 | $932 |
| January 2026 | $929 |
| February 2026 | $942 |
| March 2026 | $954 |
| April 2026 | $960 |
| May 2026 | $982 |
- What changed
- The reported national average was $982, the highest of 13 comparable monthly observations ending in May 2026.
- How to read it
- This measure is the average premium among new and renewing NFIP policy transactions in one reporting month, compared with the same measure a year earlier when definitions are comparable. It does not identify a cause.
- Important caveat
- The mix of properties represented by new and renewing policy transactions can change from month to month. This measure is not a quote or forecast for an address.