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The insured home is

Median single-family flood bill, the United States

$1,081

2,813,889 policies in force on July 31, 2026, premium and fees included.

Median full-risk price, same policies$1,305
Policies still below their full-risk price47 %
Median paid in August 2023$786
Increase left from the median2 renewals at 18 %
Next five bills, added up$6,483
Median claim paid, 2016 to 2025 (381,068 claims)$42,494
Policies exposed to storm surge61 %
How this is computed

Flood Cost by ZIP · FEMA and OpenFEMA files · not a quote, not affiliated with FEMA