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Calcimator

Flood Insurance Cost Calculator

Estimate NFIP flood insurance premiums based on flood zone, building type, elevation, and coverage amounts.

Inputs

$
$
feet
$

Results

Monthly Premium (with fees)

$112.50

≈ 8 movie tickets

Annual Total (with fees)

$1,350.00

≈ 10 pairs of sneakers

Base Annual Premium$1,050.00
Building Coverage Premium$945.00
Contents Coverage Premium$105.00
Fees & Surcharges$300.00
How to Use This Calculator
  1. Enter your home's replacement cost.
  2. Select your FEMA flood zone (check floodsmart.gov for your property's zone).
  3. Input the building's first-floor elevation above base flood elevation (BFE).
  4. Review the estimated National Flood Insurance Program (NFIP) or private market premium.
  5. Elevating a home above BFE is the single most effective way to reduce flood insurance cost.

How the result changes with Flood Zone

Flood ZoneMonthly Premium (with fees)Annual Total (with fees)
0.3$31.25$375.00
1.05$31.25$375.00
1.95$31.25$375.00
2.7$50.00$600.00

What each input means

Building Coverage Amount
Building coverage up to $250,000 for residential NFIP policies.
Contents Coverage Amount
Contents coverage up to $100,000 for residential NFIP policies.
Flood Zone
0 = X (low risk), 1 = B/C (moderate), 2 = A (high risk), 3 = V (coastal high velocity).
Building Type
0 = Single family, 1 = Condo, 2 = Mobile home.
Elevation Above BFE
Feet above or below the Base Flood Elevation. Higher elevation reduces premiums.
Deductible
Your flood insurance deductible amount.

How this is calculated

Worked example, using the default values

  1. Identify Input Parameters
    4 parameters
    Building Coverage Amount = 250000, Contents Coverage Amount = 50000, Flood Zone = 2, Building Type = 0 = 6 input(s) provided
  2. Calculate Annual Total
    Annual Total
    1350 = $1,350
  3. Calculate Base Annual Premium
    1050 = $1,050
  4. Calculate Building Coverage Premium
    Building Coverage Premium
    945 = $945

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