County data · July 2026
Flood Insurance Cost by County
Among named counties with at least 100 NFIP policy transactions, Passaic County, New Jersey has the highest July 2026 average premium in this snapshot at $2,453. The table ranks the top 100; the CSV includes every named county row and its policy count.
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.
County dataset facts
- Reporting period
- July 2026
- Named county rows
- 2,635
- Ranking threshold
- 100+
- States & territories
- 53
latest complete OpenFEMA month
included in the downloadable CSV
policy transactions in the month
with at least one named county row
Top 100 counties by average premium
Ranked by average premium, highest first. Only named counties with at least 100 policies newly written or renewed in July 2026 appear in the ranking.
| Rank | County | State | Avg premium | Avg total cost | Policies |
|---|---|---|---|---|---|
| 1 | Passaic County | New Jersey | $2,453 | $3,020 | 302 |
| 2 | Dauphin County | Pennsylvania | $2,438 | $3,047 | 139 |
| 3 | Cameron Parish | Louisiana | $2,422 | $3,013 | 141 |
| 4 | Lackawanna County | Pennsylvania | $2,383 | $2,966 | 101 |
| 5 | Monroe County — June 2026 profile | Florida | $2,371 | $2,965 | 2,854 |
| 6 | Morris County | New Jersey | $2,324 | $2,880 | 294 |
| 7 | Allegheny County | Pennsylvania | $2,179 | $2,740 | 222 |
| 8 | Hartford County | Connecticut | $2,165 | $2,689 | 126 |
| 9 | Wakulla County | Florida | $2,105 | $2,610 | 113 |
| 10 | Middlesex County | Connecticut | $2,105 | $2,646 | 177 |
| 11 | Sonoma County | California | $2,098 | $2,656 | 158 |
| 12 | Franklin County | Florida | $2,095 | $2,667 | 245 |
| 13 | Orange County | New York | $2,094 | $2,636 | 125 |
| 14 | Marin County | California | $2,049 | $2,555 | 499 |
| 15 | Citrus County | Florida | $2,028 | $2,529 | 609 |
| 16 | Somerset County | New Jersey | $1,981 | $2,473 | 158 |
| 17 | St. Louis County | Missouri | $1,942 | $2,442 | 265 |
| 18 | Charlotte County — June 2026 profile | Florida | $1,915 | $2,372 | 4,119 |
| 19 | St. Mary Parish | Louisiana | $1,887 | $2,392 | 396 |
| 20 | Worcester County | Massachusetts | $1,884 | $2,398 | 110 |
| 21 | Hinds County | Mississippi | $1,882 | $2,385 | 255 |
| 22 | Kanawha County | West Virginia | $1,844 | $2,277 | 101 |
| 23 | Hamilton County | Tennessee | $1,834 | $2,311 | 106 |
| 24 | Montgomery County | Pennsylvania | $1,821 | $2,280 | 233 |
| 25 | New London County | Connecticut | $1,819 | $2,291 | 324 |
| 26 | Burlington County | New Jersey | $1,798 | $2,227 | 249 |
| 27 | Essex County | New Jersey | $1,745 | $2,204 | 319 |
| 28 | Middlesex County | New Jersey | $1,735 | $2,168 | 260 |
| 29 | Bergen County | New Jersey | $1,726 | $2,150 | 818 |
| 30 | Camden County | New Jersey | $1,723 | $2,199 | 106 |
| 31 | Lee County — June 2026 profile | Florida | $1,717 | $2,142 | 12,069 |
| 32 | New Haven County | Connecticut | $1,716 | $2,148 | 696 |
| 33 | San Mateo County | California | $1,695 | $2,148 | 351 |
| 34 | Mora County | New Mexico | $1,694 | $2,184 | 160 |
| 35 | Washoe County | Nevada | $1,684 | $2,136 | 132 |
| 36 | Kauai County | Hawaii | $1,682 | $2,123 | 215 |
| 37 | Mercer County | New Jersey | $1,671 | $2,117 | 157 |
| 38 | Suffolk County — June 2026 profile | New York | $1,611 | $2,066 | 2,449 |
| 39 | Jackson County | Mississippi | $1,592 | $2,000 | 1,196 |
| 40 | Bronx County | New York | $1,582 | $2,022 | 190 |
| 41 | Broome County | New York | $1,566 | $1,974 | 108 |
| 42 | Jefferson County | Alabama | $1,557 | $1,986 | 156 |
| 43 | Union County | New Jersey | $1,556 | $1,941 | 438 |
| 44 | Buncombe County | North Carolina | $1,550 | $2,000 | 107 |
| 45 | Llano County | Texas | $1,549 | $2,024 | 107 |
| 46 | Madison County | Illinois | $1,548 | $1,966 | 116 |
| 47 | Gulf County | Florida | $1,539 | $2,006 | 183 |
| 48 | Nassau County — June 2026 profile | New York | $1,531 | $1,911 | 3,472 |
| 49 | Jefferson Davis Parish | Louisiana | $1,528 | $1,925 | 117 |
| 50 | Will County | Illinois | $1,527 | $1,900 | 121 |
| 51 | York County | Maine | $1,526 | $2,001 | 264 |
| 52 | Terrebonne Parish | Louisiana | $1,524 | $1,912 | 1,405 |
| 53 | Bucks County | Pennsylvania | $1,519 | $1,903 | 284 |
| 54 | Barnstable County | Massachusetts | $1,515 | $1,975 | 756 |
| 55 | Plymouth County | Massachusetts | $1,514 | $1,922 | 688 |
| 56 | Iberia Parish | Louisiana | $1,484 | $1,852 | 397 |
| 57 | Santa Barbara County | California | $1,470 | $1,903 | 237 |
| 58 | Santa Cruz County | California | $1,469 | $1,870 | 307 |
| 59 | Mobile County | Alabama | $1,468 | $1,882 | 857 |
| 60 | Georgetown County | South Carolina | $1,463 | $1,859 | 997 |
| 61 | Milwaukee County | Wisconsin | $1,459 | $1,870 | 100 |
| 62 | Essex County | Massachusetts | $1,457 | $1,857 | 702 |
| 63 | Bristol County | Massachusetts | $1,456 | $1,854 | 288 |
| 64 | Pinellas County — June 2026 profile | Florida | $1,452 | $1,804 | 12,515 |
| 65 | Hillsborough County — June 2026 profile | Florida | $1,452 | $1,816 | 6,844 |
| 66 | Vermilion Parish | Louisiana | $1,447 | $1,803 | 492 |
| 67 | Contra Costa County | California | $1,437 | $1,834 | 221 |
| 68 | Rockland County | New York | $1,433 | $1,824 | 122 |
| 69 | Delaware County | Pennsylvania | $1,430 | $1,822 | 112 |
| 70 | Fairfield County | Connecticut | $1,430 | $1,788 | 1,536 |
| 71 | Calhoun County | Texas | $1,428 | $1,874 | 279 |
| 72 | Colleton County | South Carolina | $1,424 | $1,885 | 178 |
| 73 | Burnet County | Texas | $1,415 | $1,840 | 112 |
| 74 | Solano County | California | $1,406 | $1,814 | 130 |
| 75 | Westchester County | New York | $1,401 | $1,770 | 933 |
| 76 | Plaquemines Parish | Louisiana | $1,398 | $1,790 | 551 |
| 77 | Dutchess County | New York | $1,396 | $1,775 | 147 |
| 78 | Coconino County | Arizona | $1,395 | $1,812 | 135 |
| 79 | San Miguel County | New Mexico | $1,386 | $1,818 | 322 |
| 80 | Guadalupe County | Texas | $1,383 | $1,769 | 237 |
| 81 | Sevier County | Tennessee | $1,366 | $1,751 | 124 |
| 82 | Snohomish County | Washington | $1,365 | $1,723 | 149 |
| 83 | Yavapai County | Arizona | $1,356 | $1,734 | 139 |
| 84 | Hernando County | Florida | $1,348 | $1,706 | 454 |
| 85 | Calcasieu Parish | Louisiana | $1,348 | $1,703 | 1,773 |
| 86 | Harrison County | Mississippi | $1,342 | $1,730 | 1,515 |
| 87 | Lafourche Parish | Louisiana | $1,340 | $1,679 | 1,089 |
| 88 | Sarasota County — June 2026 profile | Florida | $1,326 | $1,666 | 6,815 |
| 89 | Clatsop County | Oregon | $1,322 | $1,736 | 112 |
| 90 | New Castle County | Delaware | $1,297 | $1,640 | 195 |
| 91 | King County | Washington | $1,297 | $1,663 | 405 |
| 92 | Dougherty County | Georgia | $1,296 | $1,700 | 114 |
| 93 | Jefferson County | Kentucky | $1,291 | $1,650 | 283 |
| 94 | Orange County | Texas | $1,287 | $1,622 | 1,778 |
| 95 | Davidson County | Tennessee | $1,285 | $1,632 | 539 |
| 96 | Los Angeles County | California | $1,283 | $1,659 | 908 |
| 97 | Philadelphia County | Pennsylvania | $1,279 | $1,638 | 171 |
| 98 | Ventura County | California | $1,278 | $1,664 | 255 |
| 99 | Onondaga County | New York | $1,271 | $1,613 | 104 |
| 100 | Matagorda County | Texas | $1,264 | $1,641 | 347 |
Download and cite the county data
Download all named county rows (CSV) — the file includes state, county FIPS, premium, total cost, and policy count for the latest period.
"Flood Insurance Cost by County." 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/counties
How to interpret this ranking
- Transaction signal, not an in-force average. The rows describe policies that started or renewed in one month.
- Sample size matters. The public ranking uses a 100-transaction floor; the CSV exposes all named rows so analysts can choose another threshold.
- Property mix changes. A county average can move when the mix of coastal, inland, residential, and higher-value properties renewing that month changes.
- NFIP only. Private flood-insurance policies are outside the source dataset.
- State and county must agree. A source row is excluded from public county output when the first two digits of its county FIPS code conflict with the row’s parent state.
Source: FEMA OpenFEMA NFIP policy transaction data (NFIP Redacted Policies v3). Read the complete methodology.
County flood-insurance cost questions
Which county has the highest flood-insurance cost in July 2026?
Passaic County, New Jersey, has the highest average in this comparison at $2,453 among 302 NFIP policies newly written or renewed in July 2026. The ranking excludes counties with fewer than 100 transactions.
What does the county average measure?
It measures the average premium among NFIP policies newly written or renewed in the reporting month. It is a transaction-based cost signal, not FEMA's official average across every active policy.
Why require at least 100 policy transactions?
A minimum of 100 transactions reduces the chance that a few unusually priced properties dominate the public ranking. The downloadable CSV retains every named county row and its policy count so researchers can apply a different threshold.
Does this county table include private flood insurance?
No. The source is FEMA OpenFEMA NFIP policy-transaction data, so private-market flood policies are not included.