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Flood insurance cost in Zone A (Florida)

High risk without a detailed depth study

Median premium$699

Per year, all fees included

25th percentile$557

A quarter paid less than this

75th percentile$897

A quarter paid more than this

Sample size80,379

Policies behind these figures

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.

Zone A is high-risk land where FEMA has not completed a detailed engineering study, so no base flood elevation is published. Under Risk Rating 2.0 the missing study matters far less than it used to.

Across 80,379 single-family policies written in Florida since January 2023, the median annual cost in Zone A was $699. A quarter of those households paid less than $557, and a quarter paid more than $897.

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.

What drives the spread inside Zone A

Since October 2021, two houses in the same zone can pay very different premiums. Risk Rating 2.0 prices each property on its own distance to water, first-floor height, foundation type and replacement cost, so the zone letter sets the neighbourhood of the price rather than the price itself.

That is why the gap between the 25th and 75th percentile above is worth more attention than the median. In Zone A the middle half of households span $557 to $897.

How this figure was calculated

Every figure on this page comes from NFIP policy transactions published by FEMA. We keep single-family homes on twelve-month terms with an effective date of January 2023 or later, and we report the total cost the policyholder pays, including federal fees and the HFIAA surcharge.

These are premiums that were actually paid. They are not quotes and they are not an estimate for any specific address. Read the full method.

Numbered versions of this zone

If your policy says Zone A followed by a number

Older Flood Insurance Rate Maps split Zone A into numbered bands, from A01 through A30. The number identified which depth band FEMA had calculated for that spot, so A08 and A13 were both high-risk land but with different expected water depths. Modern maps replaced the whole set with Zone AE, and the numbered codes survive only where a property is still rated against an old map.

They are rare. Across Florida, 2,571 single-family policies still carry a numbered A code, out of more than three million. If yours is one of them, the number itself no longer drives your premium: under Risk Rating 2.0 your price comes from your own building, not from the band on the map.

What the numbered codes do show is that they run considerably more expensive than plain Zone A. That is not the code doing the work. Properties still rated on old maps tend to be older buildings sitting lower relative to the water, and that is what the price reflects.

Numbered Zone A codes with at least 100 policies
Code 25th pct Median 75th pct Policies
A08 $1,107 $1,603 $2,198 668
A10 $1,112 $1,720 $2,951 380
A07 $875 $1,143 $1,662 302
A11 $1,068 $1,647 $2,857 209
A05 $798 $1,083 $1,456 204
A13 $929 $1,473 $3,399 182
A12 $898 $1,208 $2,227 146
A09 $940 $1,302 $2,035 146

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.

Where Zone A concentrates

The counties carrying most of Florida’s Zone A policies

A zone letter behaves differently depending on where it sits. These are the counties with the largest share of Zone A policies in the state, and what each one pays.

Zone A by county
County Median in Zone A Policies Share of state
Brevard County $620 11,750 14.6%
Pasco County $709 7,848 9.8%
Volusia County $876 7,536 9.4%
Polk County $710 5,738 7.1%
Hillsborough County $739 4,557 5.7%
Osceola County $642 4,045 5%
Bay County $595 4,022 5%
Pinellas County $772 2,716 3.4%

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.

See all 67 counties