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

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How much is Flood Insurance in Pennsylvania?

The average cost per policy in Pennsylvania through the NFIP is $1,249.94. Depending which city you live in, this average could vary substantially! When you take into consideration other variables like your deductible, the cost of your home and contents, your premiums can change. Some of the most populated cities in Pennsylvania are listed below with their average cost per policy through the NFIP. If you're interested in a quote for a private flood insurance policy to compare costs, we offer a 100% online quote process.

Average Costs through the NFIP

Average Cost per Policy

*Prices as of 01/31/24.


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!

How to get cheap flood insurance in Pennsylvania?

You may be able to save by getting a quote for 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 Pennsylvania over the past 10 years is $27,600.

Do I need flood insurance?

If your home is in a high risk area, federal law requires you to purchase flood insurance if the home is in a high-risk flood area, if you purchase a home with government-backed or government-issued financing. To find out if you're in a flood zone, enter your address into our Flood Zone Lookup Tool.

Even if your home is not in a zone required by law to get flood insurance, you should still assess the risk of your flood zone, and decide if it's worth the gamble. Flooding is the most common natural disaster in the United States.


Does my homeowners insurance in 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 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 Pennsylvania.

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 93% of policyholders. This will impact nearly all of the 51,600 NFIP policies in force in Pennsylvania.

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

*56% of NFIP policy holders in Pennsylvania (51,600 policies) will see an average increase of $0-$120 per year. 7% of policyholders (3,838 policies) will see an increase of $120-$240 per year. 7% of policyholders (3,526 policies) will see an increase of greater than $240 per year.


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