Florida · 3,095,247 policy records
Everyone quotes a range. We publish the number.
The median Florida homeowner paid $1,096 for flood insurance in 2026. Most sites still cite a 2023 figure that is nearly $300 lower.
Source: FEMA OpenFEMA, NFIP policy transactions. Not a quote.
Median annual premium by rated flood zone
Single-family homes, 12-month policies, 2023–2026.
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.
3,095,247
Policy records analysed
833
ZIP codes with a publishable sample
+37%
Median premium rise since 2023
$0
Paid to us by any insurer
The part nobody updated
Premiums rose 37% in three years. The advice did not.
Risk Rating 2.0 replaced flood-zone pricing with property-by-property pricing in October 2021. Premiums that were held down for decades are now climbing toward their full-risk rate, capped at 18% a year.
That cap is why the increase looks gentle month to month and severe over three years. A homeowner who paid $798 in 2023 is on a path that has already reached $1,096.
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.
Published ranges vs. policy records
The ranges you have been reading are not measurements.
Agency blogs quote coastal VE-zone premiums of $5,000 to $20,000. Across 31,691 VE-zone policies, half of them came in under $2,226.
Commonly published range, VE zone
$5,000–$20,000
Presented without a sample size, a year, or a source. Repeated across dozens of agency sites.
What 31,691 VE policies show
$2,226 median
A quarter paid under $1,129. A quarter paid over $4,781. The spread is real — the midpoint is not $12,000.
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. The published range shown on the left is a third-party claim, reproduced for comparison, and is not ours.
| Zone | What it means | 25th pct | Median | 75th pct | Policies |
|---|---|---|---|---|---|
| A | High risk, no depth study | $557 | $699 | $897 | 80,379 |
| AH | Shallow ponding | $627 | $769 | $981 | 371,170 |
| X | Outside the 100-year plain | $598 | $792 | $931 | 1,159,410 |
| AE | High risk, mapped depth | $799 | $1,257 | $2,379 | 1,418,912 |
| VE | Coastal wave action | $1,129 | $2,226 | $4,781 | 31,691 |
Zones with fewer than 1,000 policies are excluded from this table. Full breakdown, including AHB, AO, B and C, on the flood zone pages.
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.
Start with your zone
Your flood zone explains more of your premium than your county does.
Two houses three streets apart can sit in different zones and pay double. Find yours on the FEMA map, then read what that zone actually costs.
Median of 31,691 policies. Half paid between $1,129 and $4,781.
Zone VE breakdown → Zone AE High risk, mapped depth $1,257Median of 1,418,912 policies. Half paid between $799 and $2,379.
Zone AE breakdown → Zone X Outside the 100-year plain $792Median of 1,159,410 policies. Half paid between $598 and $931.
Zone X breakdown → Zone AH Shallow ponding $769Median of 371,170 policies. Half paid between $627 and $981.
Zone AH breakdown → Zone A High risk, no depth study $699Median of 80,379 policies. Half paid between $557 and $897.
Zone A breakdown →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.
Method, in plain terms
Four decisions that make these numbers comparable.
We start at January 2023. Anything earlier is priced under rules that no longer exist.
Single-family homes only. Condos and commercial buildings are priced differently and are excluded.
A handful of beachfront mansions drags an average upward. The median tells you where the middle sits.
Federal fees and the HFIAA surcharge are included, because they appear on the bill you pay.
Find out what your neighbours are paying.
Pick your flood zone, then narrow to your county. Every figure on this site comes with the number of policies behind it, so you can judge how much to trust it.