What Is an Average FEMA Flood Insurance Quote?


Quick Answer

Federal Emergency Management Agency (FEMA) flood insurance rates depend on the risk policy zone, coverage amount and if the policy covers contents only or contents and the structure, states FloodSmart.gov. Homeowners can receive personalized quotes from a licensed insurance agent, or they can view a sample coverage chart on the FloodSmart.gov website.

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Full Answer

FEMA policy rates vary on location and type of coverage, with moderate to low-risk areas ranging from the mid-$40 range for low coverage, content-only plans to more than $450 for high coverage, building and content plans, as of 2015 and noted by FEMA. Homeowners can receive a personalized quote for high-risk areas by completing the one-step flood risk profile on the website or by contacting a licensed agent at (888) 379-9531.

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