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The average NFIP flood insurance premium is about $976/yr in 2026, but ranges from $428 in Alaska to $1,840 in West Virginia. See the cost in every state.

If you have a federally backed mortgage in a high-risk FEMA flood zone (A or V), flood insurance is mandatory. Here's how to tell, zone by zone.

A Special Flood Hazard Area is land with a 1%-annual-chance (100-year) flood risk — FEMA zones A and V. Insurance is mandatory there with a federal mortgage.

NFIP caps coverage at $250,000 for buildings; private flood insurance can offer higher limits and extras but isn't federally backed. How to choose.

FEMA's Risk Rating 2.0 prices each property individually instead of by zone. Most policyholders see changes of $20/month or less, but some pay much more.

West Virginia, Vermont and Pennsylvania are the priciest states for NFIP flood insurance; Alaska, DC and Maryland the cheapest. The full picture and why.