Flood Insurance Cost Calculator
Last updated: July 2026
Estimate an annual flood insurance premium from building and contents coverage, editable rates, policy fees and mitigation discounts.
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. Enter the requested values, calculate, review the result, and compare more than one realistic scenario before making a decision.
Read the complete guide
What this calculator estimates
Estimate an annual flood insurance premium from building and contents coverage, editable rates, policy fees and mitigation discounts. It is designed for fast planning and comparison in the United States. The output is an estimate, not a binding quote, approval, tax determination, insurance offer or professional recommendation.
How to use it
Enter the requested values using a single consistent time period and currency. Select Calculate, review the headline result and supporting figures, then change one assumption at a time to compare another scenario.
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.
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.
Frequently asked questions
Is the result exact?
No. It is a planning estimate based on the assumptions entered.
Can I compare different scenarios?
Yes. Change one input at a time so you can see which assumption changes the result.
Does the calculator store my inputs?
The calculation runs in the browser and does not require an account. Avoid entering unnecessary confidential information.