top of page

How much is Flood Insurance in Florida? is pleased to work with some of the nation's largest private flood insurers to provide you with coverage you can trust. Our instant quote tool assesses rates from numerous carriers to get you the best coverage for the lowest price. 

Image by Lance Asper

How much is Flood Insurance in Florida?

The average cost per policy in Florida through the NFIP is $649.87. However, if you look at the different cities, they vary substantially! Your premiums will also vary depending on the deductibles you choose for buildings and content coverage. Here are the largest cities in Florida with their average flood insurance policy cost through NFIP.

Average Costs through the NFIP

Average Cost per Policy
St. Petersburg
Port St. Lucie
Cape Coral
Fort Lauderdale

Prices as of Dec, 2022.


Our private flood insurance averages are much lower than those shown above! Get a quote online and find out how much we can save you.

Not interested in private flood, or not sure whether you should choose an NFIP policy or a private flood insurance policy? We offer both! Give us a call and we'll answer all of your questions.

Our Prices are Consistently Lower!

Do I need flood insurance in Florida?

90 percent of all natural disasters in the U.S. involve some type of flooding. Florida is a peninsula, which makes areas extremely prone to flooding! Even if you're are not directly inside a flood zone, it doesn't mean that you are free from risk of flooding. If your home is damaged by rising water, and you don't have flood insurance, you could be paying for this expense out of pocket! And flooding damage is costly! Click Get Started to see how much a flood could cost you!

Standard Homeowners insurance does not cover flooding!

Homeowner's insurance generally excludes flood coverage. Obtaining a flood insurance policy is typically left up to the homeowner. If you're looking to get a policy, we offer a 100% online process. You can get a quote started here!

How do I get cheap Flood Insurance in Florida?

You may be able to save on flood insurance by getting a quote for our private flood insurance instead of going through the NFIP. This is an entirely online process, no need to wait for a callback or an email!


Once you've received your quote, compare it to what you'd pay through the NFIP. But don't just compare the costs, check what's covered by the NFIP so that if you try to submit a claim, you're not caught off-guard by what is, and isn't, covered.


The cost of a claim can be expensive, most are financially devastated after experiencing a flood if they don't have coverage. The average NFIP claim for flood damage in Florida over the past 10 years is $28,100.

How to Get Flood Insurance Without a Flood Elevation Certificate.

Quality flood insurance is available without the added expense and trouble of getting an elevation certificate. FloodPrice can compare the rates for both private flood insurance and the NFIP to make sure you are getting the right coverage for the best price. Check out our quote page now to find out what coverage we can offer.

Risk Rating 2.0 Pricing in Florida.

FEMA's flood program through the NFIP has begun using a new pricing methodology, Risk Rating 2.0. This will result in a price change for 96% of policyholders. This will impact nearly all of the 1,727,900 NFIP policies in force in Florida.

New NFIP Policyholders can expect to see these changes October 1st, 2021. If you're an existing policyholder, these rate changes won't affect you until April 1st, 2022.*


If you already have a policy through the NFIP, be sure to compare the Risk Rating 2.0 price to a Private Flood Insurance quote. You could possibly save hundreds of dollars. The time to start comparing prices on your flood insurance is before your policy is set to renews.


The NFIP does not allow mid-term cancellations. This means that once your policy renews, you have no option to cancel it unless you meet very restrictive guidelines, such as the sale of your home. The process can be difficult and frustrating. Here is a link to the guidelines to cancel an NFIP policy mid-term: FEMA Cancellation Form.

What is not covered by the NFIP?

Debris removal, additional living expenses, and belongings located in your basement, aren't covered. You would be required to purchase a secondary policy to cover appurtenant structures, such as a detached garage or shed. Visit their website to see everything that is, or isn't, covered by the NFIP.

If you'd like to be free from these limitations and have more options for coverage, consider getting flood insurance from FloodPrice,


Need help from a Flood Expert? Call us at 866-503-5663

*68% of NFIP policy holders in Florida (1,178,074 policies) will see an average increase of $0-$120 per year. 8% of policyholders (134,572 policies) will see an increase of $120-$240 per year. 4% of policyholders (73,113 policies) will see an increase of greater than $240 per year. Source:

bottom of page
Customer Reviews