Flood insurance cost by zone
Your rated flood zone is the single strongest predictor of what you pay. These are the medians behind each letter, drawn from policy records rather than published ranges.
Median of 2,606 policies. Half paid between $487 and $850.
Read zone C → Zone B Legacy moderate-risk designation $811Median of 1,829 policies. Half paid between $736 and $1,051.
Read zone B → Zone AO Sheet flow, one to three feet $720Median of 5,408 policies. Half paid between $597 and $996.
Read zone AO → Zone AHB Shallow ponding with a mapped elevation $726Median of 20,960 policies. Half paid between $609 and $850.
Read zone AHB → Zone VE Coastal zone with wave action $2,226Median of 31,691 policies. Half paid between $1,129 and $4,781.
Read zone VE → Zone A High risk without a detailed depth study $699Median of 80,379 policies. Half paid between $557 and $897.
Read zone A → Zone AH Shallow ponding, one to three feet $769Median of 371,170 policies. Half paid between $627 and $981.
Read zone AH → Zone X Outside the 100-year floodplain $792Median of 1,159,410 policies. Half paid between $598 and $931.
Read zone X → Zone AE High risk with a mapped base flood elevation $1,257Median of 1,418,912 policies. Half paid between $799 and $2,379.
Read zone AE →Official source figures, as of 14 August 2026. Calculated from National Flood Insurance Program policy records published by FEMA. These are premiums other policyholders paid, not a quote or an offer of coverage.