Average Flood Insurance Cost in Florida
Flood insurance costs and flood-risk context by state.
Estimated Annual Premium: $800 to $980
Estimated Monthly Premium: $67 to $82
The range reflects typical variation. Your actual premium may fall outside this range based on FEMA zone, elevation, and insurer.
Quick Answer
How much is flood insurance in Florida? About $800 to $980 per year ($67 to $82 per month).
Flood zone risk (FEMA zone), coverage limit, and elevation typically drive the range, and whether coverage is NFIP vs private can change pricing.
Use the scenarios below to see how risk-zone and coverage choices shift the estimate.
Because flood risk varies a lot within a state, this estimate is best used as a range. Use the county links for more local context, and then compare the sample scenarios to see how coverage limit and flood-risk assumptions shift the modeled cost in Florida.
Flood insurance by county in Florida
Sample Scenarios
See how flood risk zone and coverage level affect the estimate:
- Low Flood Risk, $100K Coverage
- Low Flood Risk, $250K Coverage
- Moderate Flood Risk, $100K Coverage
- Moderate Flood Risk, $250K Coverage
Flood Insurance by State · Home insurance in Florida · Condo insurance in Florida · How We Calculate · Sources