Home / Flood Insurance / Average Flood Insurance by State

Average Flood Insurance by State

Compare flood insurance costs across states. Rankings are based on our model’s state-level data. No insurer rankings.

Quick Answer

Flood insurance averages vary by state and risk zone. This page orders states by their average (base) flood premium. Your rate will depend on zone, coverage, and property.

What This List Means

"Average" is the state-level base premium in our model, adjusted for inflation. Actual flood premiums depend heavily on zone and property. Use state and county links for more specific estimates.

State Ranking

States ordered by estimated annual range (low to high). Click a state for scenario estimates.

RankStateEst. annual rangeLinks
1 Idaho $450 to $550/yr View estimates
2 Montana $470 to $580/yr View estimates
3 Utah $470 to $580/yr View estimates
4 Wyoming $470 to $580/yr View estimates
5 Alaska $490 to $600/yr View estimates
6 Nevada $490 to $600/yr View estimates
7 New Mexico $490 to $600/yr View estimates
8 North Dakota $490 to $600/yr View estimates
9 South Dakota $490 to $600/yr View estimates
10 Iowa $510 to $630/yr View estimates
11 Nebraska $510 to $630/yr View estimates
12 Arizona $540 to $650/yr View estimates
13 Indiana $540 to $650/yr View estimates
14 Maine $540 to $650/yr View estimates
15 Vermont $540 to $650/yr View estimates
16 Wisconsin $540 to $650/yr View estimates
17 Kansas $560 to $680/yr View estimates
18 Minnesota $560 to $680/yr View estimates
19 New Hampshire $560 to $680/yr View estimates
20 Ohio $560 to $680/yr View estimates
21 Colorado $580 to $700/yr View estimates
22 Oregon $580 to $700/yr View estimates
23 Washington $580 to $700/yr View estimates
24 West Virginia $580 to $700/yr View estimates
25 Arkansas $600 to $730/yr View estimates
26 Kentucky $600 to $730/yr View estimates
27 Michigan $600 to $730/yr View estimates
28 Missouri $600 to $730/yr View estimates
29 Tennessee $600 to $730/yr View estimates
30 Illinois $620 to $760/yr View estimates
31 Oklahoma $620 to $760/yr View estimates
32 Alabama $640 to $780/yr View estimates
33 Pennsylvania $640 to $780/yr View estimates
34 Virginia $640 to $780/yr View estimates
35 Delaware $660 to $810/yr View estimates
36 North Carolina $660 to $810/yr View estimates
37 Texas $660 to $810/yr View estimates
38 Georgia $670 to $820/yr View estimates
39 Connecticut $700 to $860/yr View estimates
40 Maryland $700 to $860/yr View estimates
41 South Carolina $700 to $860/yr View estimates
42 Massachusetts $720 to $880/yr View estimates
43 California $740 to $910/yr View estimates
44 Hawaii $740 to $910/yr View estimates
45 Mississippi $740 to $910/yr View estimates
46 Rhode Island $760 to $930/yr View estimates
47 New Jersey $780 to $960/yr View estimates
48 Florida $800 to $980/yr View estimates
49 New York $820 to $1,010/yr View estimates
50 Louisiana $840 to $1,030/yr View estimates

State Pages

Jump to state hubs for scenario estimates: Idaho, Montana, Utah, Wyoming, Alaska, Nevada, New Mexico, North Dakota, South Dakota, Iowa, Nebraska, Arizona, Indiana, Maine, Vermont, Wisconsin, Kansas, Minnesota.

All Flood Insurance state pages · How we calculate · Sources

Frequently asked questions

Are these quotes?

No. These are educational estimates from state-level data. Get real quotes from insurers.

Why do costs vary by state?

Regulation, risk, and claims experience differ by state. We use published data so you can compare.

How do I use this list?

Use the state links to see scenario-based estimates (age, coverage, etc.) for that state. Then get quotes from multiple insurers.