Data · Updated July 2026 data
Flood Insurance Cost Index
Monthly tracking of what Americans pay for NFIP flood insurance, nationally and in every state, built from FEMA OpenFEMA NFIP policy transaction data (NFIP Redacted Policies v3). 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.
Headline figures
- National avg premium
- $986
- Year over year
- +7.5%
- States & territories
- 53
- Policies analyzed
- 472,502
policies written or renewed, July 2026
vs July 2025 average
each with its own data page
transactions in July 2026
Renewal planning
Check local pressure by ZIP
Use this index with ZIP-level homeowners context and FEMA risk signals to prepare questions before your next renewal.
National county comparison
Compare flood-insurance costs by county
See the top 100 named counties with at least 100 policy transactions, then download every named county row with its sample size.
National trend, last 15 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 | $912 | $1,182 | 422,975 | |
| June 2025 | $931 | $1,206 | 475,412 | |
| July 2025 | $917 | $1,189 | 494,431 | |
| August 2025 | $938 | $1,217 | 442,583 | |
| September 2025 | $915 | $1,191 | 432,922 | |
| October 2025 | $904 | $1,177 | 404,117 | |
| November 2025 | $919 | $1,196 | 323,319 | |
| December 2025 | $932 | $1,211 | 310,673 | |
| January 2026 | $929 | $1,205 | 282,855 | |
| February 2026 | $943 | $1,221 | 289,766 | |
| March 2026 | $955 | $1,236 | 351,799 | |
| April 2026 | $960 | $1,238 | 379,198 | |
| May 2026 | $979 | $1,262 | 404,900 | |
| June 2026 | $1,001 | $1,289 | 452,418 | |
| July 2026 | $986 | $1,270 | 472,502 |
Average premium by state
Latest period (July 2026). Click a column to sort; click a state for its full trend and county breakdown.
| West Virginia | $1,983 | +10.9% | 692 |
|---|---|---|---|
| Vermont | $1,941 | +3.8% | 310 |
| Pennsylvania | $1,662 | +7.9% | 3,388 |
| Connecticut | $1,621 | +6.3% | 2,922 |
| Kentucky | $1,522 | -4.7% | 1,277 |
| Missouri | $1,465 | +5.2% | 1,214 |
| Iowa | $1,318 | +6.6% | 873 |
| Massachusetts | $1,312 | +6.5% | 4,530 |
| Mississippi | $1,287 | +11.0% | 5,268 |
| Maine | $1,267 | +12.6% | 709 |
| Tennessee | $1,230 | +8.8% | 2,065 |
| Rhode Island | $1,168 | +4.7% | 1,059 |
| New Mexico | $1,166 | +15.4% | 1,378 |
| Washington | $1,139 | +11.5% | 2,053 |
| South Dakota | $1,137 | +3.7% | 225 |
| New York | $1,123 | -1.2% | 17,085 |
| Wisconsin | $1,111 | +6.3% | 891 |
| Arkansas | $1,107 | -0.8% | 945 |
| Oklahoma | $1,100 | +8.0% | 824 |
| California | $1,095 | +6.2% | 11,654 |
| Minnesota | $1,092 | +7.9% | 558 |
| Alabama | $1,087 | +9.6% | 4,109 |
| New Jersey | $1,083 | +9.9% | 18,353 |
| Ohio | $1,065 | +2.7% | 1,929 |
| Illinois | $1,046 | +6.7% | 2,988 |
| North Dakota | $1,039 | +12.2% | 364 |
| Idaho | $1,039 | +14.3% | 340 |
| Louisiana | $1,037 | +8.7% | 47,737 |
| New Hampshire | $1,034 | +8.1% | 815 |
| Nebraska | $1,022 | +5.8% | 683 |
| Oregon | $1,017 | +6.7% | 1,673 |
| Kansas | $983 | +5.8% | 672 |
| Colorado | $982 | +6.7% | 1,399 |
| Florida | $981 | +7.2% | 172,823 |
| Montana | $977 | +14.7% | 302 |
| Nevada | $969 | +10.7% | 769 |
| Wyoming | $961 | +9.6% | 139 |
| Texas | $944 | +9.9% | 83,960 |
| Georgia | $910 | +7.5% | 7,518 |
| Indiana | $883 | +4.9% | 1,626 |
| North Carolina | $867 | +7.4% | 14,038 |
| Arizona | $860 | +4.0% | 2,139 |
| Michigan | $825 | +5.9% | 1,698 |
| South Carolina | $814 | +6.8% | 18,470 |
| Virginia | $765 | +6.9% | 9,500 |
| Delaware | $757 | +8.1% | 2,689 |
| District of Columbia | $745 | +39.1% | 158 |
| Hawaii | $706 | +4.6% | 6,608 |
| Utah | $425 | -0.1% | 521 |
| Maryland | $422 | +4.1% | 6,589 |
| Alaska | $376 | +3.8% | 317 |
| U.S. Virgin Islands | $320 | -10.2% | 106 |
| Puerto Rico | $246 | +36.8% | 1,550 |
How this index is built
We aggregate monthly policy transactions from FEMA OpenFEMA NFIP policy transaction data (NFIP Redacted Policies v3). For each month we average the premium across policies that became newly effective or renewed in that month — a cost-trend proxy, not the official in-force average that FEMA publishes separately. OpenFEMA transaction data is published on a lag of roughly two months; the latest period shown reflects that lag.
Read the full methodology — formulas, update cadence, limitations, and changelog.
Use this data
Download national CSV — free to reuse with attribution.
"Flood Insurance Cost Index." Out of the Storm News Flood Insurance Cost Index, July 2026, based on FEMA OpenFEMA NFIP policy transaction data. https://outofthestormnews.com/flood-insurance/costs
Related guides
Compare county data, then use the editorial guides to understand how NFIP coverage and pricing work in practice.