Data · June 2026 data · 14-month trend
Puerto Rico Flood Insurance Costs
Homeowners taking out or renewing NFIP flood coverage in Puerto Rico paid an average premium of $274 in June 2026. Premiums there are 72.7% cheaper than the $1,001 national figure. That represents a 0.4% increase year over year. Across 1,067 transactions in 56 counties, the highest county-level average was $1,639 in Comerío 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 — June 2026
- Average premium
- $274
- Avg total cost (with fees)
- $410
- Change (year over year)
- +0.4%
- vs national average
- -72.7%
- Policies written or renewed
- 1,067
- Counties reporting
- 56
Puerto Rico trend, last 14 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 | $409 | 1,035 | |
| July 2025 | $180 | $290 | 1,583 | |
| August 2025 | $339 | $504 | 938 | |
| September 2025 | $297 | $433 | 1,354 | |
| October 2025 | $247 | $394 | 945 | |
| November 2025 | $325 | $501 | 697 | |
| December 2025 | $300 | $453 | 874 | |
| January 2026 | $311 | $467 | 731 | |
| February 2026 | $437 | $653 | 486 | |
| March 2026 | $332 | $498 | 871 | |
| April 2026 | $347 | $518 | 844 | |
| May 2026 | $398 | $605 | 738 | |
| June 2026 | $274 | $410 | 1,067 |
County breakdown — June 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 |
|---|---|---|---|---|
| Comerío Municipio | $1,639 | $2,231 | 1 | |
| Utuado Municipio | $848 | $1,147 | 3 | |
| San Juan Municipio | $505 | $688 | 166 | |
| Toa Baja Municipio | $492 | $696 | 36 | |
| Guaynabo Municipio | $476 | $682 | 14 | |
| Aguadilla Municipio | $469 | $663 | 6 | |
| Toa Alta Municipio | $441 | $593 | 5 | |
| Caguas Municipio | $436 | $615 | 24 | |
| Aibonito Municipio | $429 | $668 | 5 | |
| Jayuya Municipio | $417 | $564 | 1 | |
| Barranquitas Municipio | $411 | $557 | 1 | |
| Cayey Municipio | $405 | $549 | 3 | |
| Vega Baja Municipio | $400 | $632 | 18 | |
| Arecibo Municipio | $372 | $596 | 16 | |
| Bayamón Municipio | $362 | $517 | 25 | |
| Ponce Municipio | $348 | $545 | 36 | |
| Guánica Municipio | $347 | $482 | 4 | |
| Salinas Municipio | $346 | $577 | 14 | |
| Loíza Municipio | $345 | $629 | 3 | |
| San Sebastián Municipio | $334 | $541 | 6 | |
| Dorado Municipio | $326 | $489 | 14 | |
| Humacao Municipio | $323 | $520 | 30 | |
| Gurabo Municipio | $315 | $444 | 15 | |
| Mayagüez Municipio | $315 | $540 | 21 | |
| Las Piedras Municipio | $310 | $663 | 1 | |
| Isabela Municipio | $305 | $545 | 2 | |
| Carolina Municipio | $303 | $444 | 133 | |
| Guayanilla Municipio | $303 | $542 | 2 | |
| Yauco Municipio | $300 | $471 | 5 | |
| Luquillo Municipio | $300 | $651 | 2 | |
| Barceloneta Municipio | $295 | $465 | 15 | |
| Guayama Municipio | $287 | $443 | 7 | |
| Canóvanas Municipio | $286 | $459 | 9 | |
| Peñuelas Municipio | $285 | $521 | 2 | |
| Coamo Municipio | $283 | $406 | 4 | |
| Río Grande Municipio | $265 | $413 | 8 | |
| Hormigueros Municipio | $258 | $389 | 17 | |
| Juana Díaz Municipio | $254 | $462 | 5 | |
| Vega Alta Municipio | $249 | $365 | 2 | |
| Villalba Municipio | $248 | $365 | 1 | |
| Santa Isabel Municipio | $244 | $360 | 2 | |
| San Germán Municipio | $240 | $355 | 1 | |
| Añasco Municipio | $239 | $386 | 7 | |
| Patillas Municipio | $238 | $410 | 4 | |
| Maunabo Municipio | $235 | $499 | 3 | |
| Hatillo Municipio | $228 | $341 | 1 | |
| Arroyo Municipio | $227 | $565 | 1 | |
| Manatí Municipio | $214 | $381 | 4 | |
| Naguabo Municipio | $213 | $369 | 5 | |
| Aguada Municipio | $213 | $549 | 2 | |
| Fajardo Municipio | $211 | $546 | 3 | |
| Cabo Rojo Municipio | $210 | $394 | 6 | |
| Yabucoa Municipio | $210 | $384 | 7 | |
| Lajas Municipio | $210 | $545 | 2 | |
| Rincón Municipio | $128 | $184 | 56 | |
| Trujillo Alto Municipio | $34 | $71 | 281 |
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 (NFIP Redacted Policies v3).
"Puerto Rico Flood Insurance Costs." Out of the Storm News Flood Insurance Cost Index, June 2026, based on FEMA OpenFEMA NFIP policy transaction data. https://outofthestormnews.com/flood-insurance/costs/puerto-rico
Related guides
Compare county data, then use the editorial guides to understand how NFIP coverage and pricing work in practice.