FEMA Flood Zone Premium Rate Comparison Table ($250,000 Structure / $80,000 Contents)
| FEMA Flood Zone Risk | Hazard Level | Estimated Annual Premium Range | Estimated Monthly Addition |
|---|---|---|---|
| Zone X | Low-to-Moderate Risk | $550 – $850 / year | $45.83 – $70.83 / mo |
| Zone AE | High Risk (SFHA Inland) | $1,850 – $2,850 / year | $154.17 – $237.50 / mo |
| Zone VE | High Risk (Coastal Surge) | $4,500 – $7,200+ / year | $375.00 – $600.00+ / mo |
Frequently Asked Questions
Does standard homeowners insurance cover flood damage?
No. Standard homeowners insurance policies specifically exclude flood damage caused by heavy rains, storm surges, river overflows, or mudslides. Separate flood insurance is required.