Data · May 2026 data · 12-month trend
Puerto Rico Flood Insurance Costs
Homeowners taking out or renewing NFIP flood coverage in Puerto Rico paid an average premium of $374 in May 2026. Premiums there are 61.9% cheaper than the $982 national figure. That represents a 19.2% increase year over year. Across 669 transactions in 55 counties, the highest county-level average was $1,083 in Cataño Municipio.
What we measure: Average premium among policies newly written or renewed that month (NFIP transactions) — not the official in-force average. OpenFEMA transaction data is published on a lag of roughly two months; the latest period shown reflects that lag.
Key facts — May 2026
- Average premium
- $374
- Avg total cost (with fees)
- $566
- Change (year over year)
- +19.2%
- vs national average
- -61.9%
- Policies written or renewed
- 669
- Counties reporting
- 55
Puerto Rico trend, last 12 months
Average premium among policies newly written or renewed each month. Bars scale to the highest month shown.
| Month | Avg premium | Premium relative to highest month | Avg total cost | Policies |
|---|---|---|---|---|
| May 2025 | $314 | $488 | 813 | |
| June 2025 | $273 | $408 | 1,034 | |
| August 2025 | $339 | $504 | 937 | |
| September 2025 | $297 | $433 | 1,353 | |
| October 2025 | $247 | $394 | 945 | |
| November 2025 | $325 | $501 | 697 | |
| December 2025 | $300 | $453 | 874 | |
| January 2026 | $311 | $467 | 731 | |
| February 2026 | $428 | $642 | 485 | |
| March 2026 | $332 | $498 | 871 | |
| April 2026 | $347 | $518 | 843 | |
| May 2026 | $374 | $566 | 669 |
County breakdown — May 2026
Sorted by average premium, highest first. Rows labeled with a FIPS code are reporting areas without a matched county name. Watch the policy count before reading much into small-county averages.
| County | Avg premium | Premium relative to highest county | Avg total cost | Policies |
|---|---|---|---|---|
| Cataño Municipio | $1,083 | $1,500 | 3 | |
| Corozal Municipio | $699 | $897 | 1 | |
| Aguadilla Municipio | $636 | $973 | 3 | |
| Caguas Municipio | $613 | $849 | 25 | |
| San Juan Municipio | $578 | $798 | 117 | |
| Rincón Municipio | $549 | $795 | 3 | |
| Utuado Municipio | $544 | $714 | 1 | |
| FIPS 72000 | $495 | $806 | 3 | |
| Arecibo Municipio | $493 | $728 | 9 | |
| Dorado Municipio | $493 | $721 | 10 | |
| Toa Baja Municipio | $458 | $675 | 36 | |
| Bayamón Municipio | $455 | $658 | 23 | |
| Culebra Municipio | $408 | $778 | 1 | |
| San Lorenzo Municipio | $407 | $778 | 4 | |
| Trujillo Alto Municipio | $401 | $620 | 3 | |
| Barceloneta Municipio | $372 | $511 | 15 | |
| Isabela Municipio | $367 | $730 | 1 | |
| Hatillo Municipio | $365 | $503 | 1 | |
| Canóvanas Municipio | $354 | $490 | 10 | |
| Carolina Municipio | $346 | $530 | 113 | |
| Aguada Municipio | $346 | $532 | 13 | |
| Vega Alta Municipio | $334 | $466 | 2 | |
| Mayagüez Municipio | $332 | $550 | 13 | |
| Guayanilla Municipio | $325 | $624 | 4 | |
| San Sebastián Municipio | $323 | $510 | 4 | |
| Guaynabo Municipio | $323 | $543 | 5 | |
| Salinas Municipio | $322 | $536 | 8 | |
| Florida Municipio | $319 | $673 | 1 | |
| Aibonito Municipio | $282 | $405 | 2 | |
| Coamo Municipio | $281 | $404 | 1 | |
| Vega Baja Municipio | $276 | $462 | 7 | |
| Añasco Municipio | $271 | $392 | 5 | |
| Humacao Municipio | $268 | $475 | 31 | |
| Juana Díaz Municipio | $263 | $382 | 1 | |
| Ponce Municipio | $262 | $402 | 22 | |
| Loíza Municipio | $256 | $374 | 9 | |
| Hormigueros Municipio | $256 | $406 | 7 | |
| Gurabo Municipio | $254 | $404 | 7 | |
| Patillas Municipio | $253 | $484 | 4 | |
| San Germán Municipio | $250 | $367 | 1 | |
| Yauco Municipio | $249 | $441 | 3 | |
| Cayey Municipio | $242 | $358 | 1 | |
| Manatí Municipio | $241 | $491 | 5 | |
| Luquillo Municipio | $240 | $355 | 1 | |
| Juncos Municipio | $229 | $342 | 1 | |
| Cabo Rojo Municipio | $225 | $450 | 12 | |
| Lajas Municipio | $220 | $332 | 1 | |
| Guayama Municipio | $220 | $332 | 1 | |
| Yabucoa Municipio | $219 | $331 | 5 | |
| Ceiba Municipio | $219 | $330 | 1 | |
| Cidra Municipio | $214 | $325 | 1 | |
| Arroyo Municipio | $212 | $322 | 1 | |
| Naguabo Municipio | $210 | $320 | 1 | |
| Fajardo Municipio | $204 | $515 | 19 | |
| Río Grande Municipio | $41 | $98 | 59 |
Use this data
Download Puerto Rico CSV (puerto-rico.csv) — free to reuse with attribution. Read the full methodology for formulas, update cadence, and limitations. Source: FEMA OpenFEMA NFIP policy transaction data (FimaNfipPolicies).
"Puerto Rico Flood Insurance Costs." Out of the Storm News Flood Insurance Cost Index, May 2026, based on FEMA OpenFEMA NFIP policy transaction data. https://outofthestormnews.com/flood-insurance/costs/puerto-rico
Related guides
Editorial context for reading these numbers — how NFIP coverage and pricing work in practice, and what a flood map does and doesn’t tell you.