OUT OFTHE STORMNEWS

Independent insurance-cost data from public records.

June 2026 NFIP transactions

Flood Insurance Costs in Charlotte County, Florida

In June 2026, NFIP policies newly written or renewed in Charlotte County averaged $1,875 in premium and $2,328 in total policy cost across 4,235 transactions.

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.

Average premium
$1,875

newly written or renewed policies

Average total cost
$2,328

premium plus included fees

Transactions
4,235

minimum published threshold: 100

State premium rank
5 of 44

eligible counties in Florida

Charlotte County, state, and national comparison

The county average premium was 85.6% above the state transaction average and 87.2% above the national transaction average. Its total policy cost was 81.1% above the state figure and 80.6% above the national figure.

GeographyAvg premiumAvg total costTransactions
Charlotte County$1,875$2,3284,235
Florida$1,010$1,285174,012
United States$1,001$1,289452,418

Price position is the key context for Charlotte County: $1,875 in average premium, state rank 5 of 44, and 85.6% above the state transaction average. The observation covers 4,235 transactions rather than one property.

Descriptive rank context

Premium in Florida
5 of 44
Premium nationally
18 of 330
Transaction volume nationally
22 of 330

Method nfip-county-ranks-v1. Premium ranks sort the same 330 eligible county rows by average premium, then transaction count, then FIPS; the state rank uses that state's eligible subset. Volume rank sorts by transaction count, then FIPS. These ranks describe one source month and are not a score or recommendation.

Method and limitations

  • The figures describe policies newly written or renewed in June 2026; they are not FEMA's official average across all in-force policies.
  • Only named counties with matching state and five-digit FIPS codes, finite cost values, and at least 100 transactions enter the comparison population.
  • A monthly county average can change with the mix of properties renewing. It is not a household quote and does not include private flood insurance.
  • State and national values use the same transaction-based source month. A larger sample does not mean a lower or higher household price.

Source: FEMA OpenFEMA NFIP policy transaction data (NFIP Redacted Policies v3). Snapshot generated 2026-08-30; source event through 2026-06-30. Read the complete methodology.

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