Everything published on this site is calculated from one source: the National Flood Insurance Program policy transaction file released by FEMA through the OpenFEMA API. We do not sell insurance, we do not take referral fees, and no insurer has any input into these figures.
The filters we apply
Effective date from January 2023. Risk Rating 2.0 began in October 2021 and FEMA changed how property types are coded during the transition. Starting in 2023 gives a clean series priced under one system.
Single-family homes only. Condominium units, rental buildings and commercial structures are priced on different rules and would distort a homeowner figure.
Twelve-month policy terms only. Shorter and longer terms are not comparable to an annual cost.
Policies with building coverage above zero. Contents-only policies answer a different question.
What the figure includes
We report total policy cost, which is the base premium plus the federal policy fee and the HFIAA surcharge. This is higher than the base premium quoted in some official summaries, and it is deliberate: it is the amount that appears on the bill.
Why medians and percentiles, not averages
Flood premiums are heavily skewed. A small number of high-value coastal properties pull an average well above what a typical household pays. We publish the median, and alongside it the 25th and 75th percentiles so you can see how wide the middle really is.
Sample size thresholds
We publish a figure for a geography only where there are at least 100 qualifying policies behind it. Every table on this site shows the policy count so you can judge the weight of the number yourself.
How every figure is labelled
Any figure on this site that comes from official records carries a note naming the source and the cut-off date of the data it was calculated from. Where we ever publish a modelled or estimated figure, it is labelled as indicative and is never presented alongside official figures without that distinction.
If you find a price on this site with no such label, it is an error. Tell us and we will correct it.
What these numbers are not
They are historical premiums paid by other people. They are not a quote, an offer, or a prediction for any individual address. Under Risk Rating 2.0 two neighbouring homes can differ substantially, and only a licensed agent working from your property details can tell you your own figure.
This site uses data from the FEMA OpenFEMA API but is not endorsed by FEMA. The Federal Government or FEMA cannot vouch for the data or analyses derived from these data after the data have been retrieved from the agency.