Flood Insurance Cost Calculator
Last updated: October 15, 2026
Estimate an annual flood insurance premium from building and contents coverage, editable rates, policy fees and mitigation discounts.
Starting figures illustrate this model. Enter your own measurements, quoted costs and applicable terms; this page does not retrieve live prices or provider rates.
Estimated monthly flood insurance premium
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- Estimated annual premium: —
- Building premium component: —
- Contents premium component: —
- Estimated annual discount: —
On this page
Quick summary: Estimate an annual flood insurance premium from building and contents coverage, editable rates, policy fees and mitigation discounts.
Read the complete guide
Updated reference sections in this guide are in English.
What this calculator estimates
Estimate an annual flood insurance premium from building and contents coverage, editable rates, policy fees and mitigation discounts.
How to use it
Enter Building coverage ($); Annual rate per $1,000 building coverage ($); Contents coverage ($); Annual rate per $1,000 contents coverage ($); Annual policy fees ($); Mitigation discount (%). Select Calculate to update the results.
How the calculation works
Coverage amounts are converted to units of $1,000 and multiplied by the entered rates. Policy fees are added and the mitigation discount is subtracted.
Worked example: starting scenario
| Building coverage ($) | 250000 |
|---|---|
| Annual rate per $1,000 building coverage ($) | 2.2 |
| Contents coverage ($) | 75000 |
| Annual rate per $1,000 contents coverage ($) | 3.1 |
| Annual policy fees ($) | 75 |
| Mitigation discount (%) | 10 |
| Estimated monthly flood insurance premium | $64.31 |
|---|---|
| Estimated annual premium | $771.75 |
| Building premium component | $550.00 |
| Contents premium component | $232.50 |
| Estimated annual discount | $85.75 |
Important limitations
Flood zone, elevation, construction, foundation type, occupancy, claims history and program rules drive real premiums. This is not an NFIP or private-market quote.