Independent public-data publication
U.S. Flood Insurance Costs by State and County
Monthly NFIP transaction data, county tables, and downloadable CSV files — plus public Treasury homeowners and CMS Medicare indicators. We do not sell policies or collect quote leads.
NFIP · May 2026
National and state flood-insurance costs
$982
Average premium among policies newly written or renewed that month · +7.7% year over year.
County comparison
Flood-insurance cost by county
Top 100
Compare named counties with at least 100 policy transactions and download the underlying national county CSV.
Treasury FIO · 2018–2022
Homeowners insurance indicators by ZIP
25,593 ZIP rows
Public premium, loss, nonrenewal, and cancellation indicators · national row average $1,776 · +6.9% change.
Use and verify the evidence
Sources, formulas, and limitations
Read the formula, data lag, sample-size cautions, and difference between transaction averages and official in-force statistics before quoting a figure.
Flood and homeowners guides
Flood & NFIP
Flood Insurance and the NFIP: What Homeowners Actually Need to Know
Learn how NFIP and private flood insurance cover homes, why lower-risk zones still flood, policy limits, waiting periods, and what to compare before buying.
Home & Catastrophe
Why Home Insurance Keeps Getting More Expensive — and What You Can Actually Do
The structural forces driving home insurance premiums higher — and the practical levers homeowners can actually pull to manage cost without gutting their coverage.
Flood & NFIP
Private Flood Insurance vs. the NFIP: How to Compare Quotes
How private flood policies and NFIP coverage differ on limits, pricing, renewal risk, and mortgage acceptance — and when each one makes more sense.
Flood & NFIP
How to Read a FEMA Flood Map Without Getting Fooled
What flood zone designations actually mean, why Zone X isn't the same as no risk, and how map age can leave homeowners with a false sense of security.