Data · July 2026 data · 15-month trend
Puerto Rico Flood Insurance Costs
Homeowners taking out or renewing NFIP flood coverage in Puerto Rico paid an average premium of $246 in July 2026. Premiums there are 75.0% cheaper than the $986 national figure. That represents a 36.8% increase year over year. Across 1,550 transactions in 63 counties, the highest county-level average was $2,366 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 — July 2026
- Average premium
- $246
- Avg total cost (with fees)
- $376
- Change (year over year)
- +36.8%
- vs national average
- -75.0%
- Policies written or renewed
- 1,550
- Counties reporting
- 63
Puerto Rico 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 | $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 | |
| July 2026 | $246 | $376 | 1,550 |
County breakdown — July 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 | $2,366 | $2,999 | 5 | |
| Guayama Municipio | $714 | $1,041 | 16 | |
| Río Grande Municipio | $555 | $850 | 11 | |
| Arecibo Municipio | $509 | $770 | 14 | |
| Trujillo Alto Municipio | $496 | $696 | 6 | |
| Isabela Municipio | $479 | $750 | 2 | |
| Dorado Municipio | $461 | $706 | 10 | |
| Vega Alta Municipio | $460 | $765 | 3 | |
| Utuado Municipio | $444 | $776 | 5 | |
| Toa Baja Municipio | $443 | $619 | 45 | |
| Jayuya Municipio | $438 | $589 | 1 | |
| Vieques Municipio | $430 | $804 | 1 | |
| Aguada Municipio | $425 | $697 | 11 | |
| Mayagüez Municipio | $401 | $628 | 35 | |
| Aibonito Municipio | $388 | $699 | 4 | |
| Bayamón Municipio | $384 | $588 | 18 | |
| Adjuntas Municipio | $375 | $740 | 2 | |
| Vega Baja Municipio | $361 | $530 | 14 | |
| Cayey Municipio | $359 | $541 | 5 | |
| Canóvanas Municipio | $355 | $551 | 15 | |
| Culebra Municipio | $352 | $487 | 1 | |
| Cidra Municipio | $344 | $478 | 1 | |
| FIPS 72000 | $319 | $561 | 2 | |
| Luquillo Municipio | $315 | $594 | 6 | |
| Salinas Municipio | $310 | $509 | 22 | |
| Yauco Municipio | $304 | $543 | 2 | |
| Guaynabo Municipio | $302 | $525 | 14 | |
| Barceloneta Municipio | $301 | $490 | 18 | |
| Juana Díaz Municipio | $297 | $498 | 3 | |
| Loíza Municipio | $293 | $418 | 3 | |
| Ponce Municipio | $293 | $482 | 35 | |
| San Sebastián Municipio | $293 | $530 | 2 | |
| Villalba Municipio | $293 | $530 | 2 | |
| Humacao Municipio | $289 | $487 | 24 | |
| Barranquitas Municipio | $288 | $524 | 2 | |
| Coamo Municipio | $281 | $485 | 11 | |
| Hatillo Municipio | $279 | $401 | 1 | |
| Maunabo Municipio | $269 | $390 | 2 | |
| Morovis Municipio | $260 | $379 | 1 | |
| Caguas Municipio | $257 | $448 | 100 | |
| Gurabo Municipio | $255 | $414 | 11 | |
| Sabana Grande Municipio | $254 | $372 | 2 | |
| Hormigueros Municipio | $253 | $423 | 13 | |
| Cabo Rojo Municipio | $249 | $416 | 9 | |
| Yabucoa Municipio | $248 | $365 | 6 | |
| San Juan Municipio | $242 | $326 | 578 | |
| Añasco Municipio | $237 | $352 | 6 | |
| Guayanilla Municipio | $236 | $351 | 2 | |
| Patillas Municipio | $236 | $519 | 4 | |
| Juncos Municipio | $236 | $350 | 2 | |
| Aguadilla Municipio | $235 | $462 | 2 | |
| San Lorenzo Municipio | $234 | $460 | 2 | |
| Guánica Municipio | $229 | $343 | 2 | |
| Peñuelas Municipio | $227 | $340 | 2 | |
| San Germán Municipio | $225 | $337 | 2 | |
| Naguabo Municipio | $209 | $454 | 5 | |
| Orocovis Municipio | $209 | $319 | 1 | |
| Ceiba Municipio | $208 | $317 | 1 | |
| Manatí Municipio | $203 | $443 | 12 | |
| Santa Isabel Municipio | $203 | $312 | 1 | |
| Fajardo Municipio | $198 | $531 | 12 | |
| Carolina Municipio | $100 | $176 | 380 | |
| Rincón Municipio | $49 | $142 | 20 |
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, July 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.