How much does Flood Insurance Cost in Florida? Prices & Premiums | Augustyniak Insurance Group

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Rate hikes for the National flood insurance program averaging 8. Most South Florida homeowners will see hikes of less than 5 percent.. Effective April 1, the average premium rose 8 percent, from $866 per policy to $935.. Premiums for homes built in high-risk coastal zones will increase 11 percent.

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A standard home insurance policy does not cover flooding. Even if you're not in a high-risk area, flood insurance could be a wise purchase.. according to the Federal Emergency Management Agency (FEMA).. NFIP, premiums for a residential residence in a low-risk flood zone range from $146 to $474.

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