About Flood Cost by ZIP
Radif Partners turns the files the federal flood program publishes about itself into figures for one ZIP code or county: what single-family policyholders there paid in the last published snapshot, what the risk-based price is, how many 18% steps separate the two, and what claims have actually paid locally. Every number links to the spreadsheet or dataset it came from, with its date. The site sells no policy, refers no one to an agent and asks for no contact details.
The gap this site fills
Pages that answer "how much is flood insurance" usually give one national number: an average from a survey, a figure from an old FEMA fact sheet, or a quote engine that wants your address and phone number first. None of them tells a homeowner in a given ZIP code what the neighbors actually pay, or how many more years of increases the law still allows. The federal flood program publishes the files that answer both questions; they are large and technical, and nobody had turned them into a lookup.
This site does better than the first Google result because it gives the flood insurance cost of your own ZIP code or county, read in the federal program's own 2026 policy files and dated, and counts the 18 % renewals left before the full-risk price, where the first result, last updated in January 2025, gives one national average taken second-hand from a comparison site and no calculator.
Who publishes it
The site is published by Radif Partners, a company that builds calculators on public rules and public data. It is not an insurer, an insurance agency, a broker or a lead generator. It is not affiliated with FEMA, the National Flood Insurance Program or any government body, receives no commission and has no partner to send you to. Pages carry no affiliate link.
Radif Partners
49 rue du Ressort
63000 Clermont-Ferrand, France
contact@floodcostzip.com
What we rely on
FEMA's single-family cost tables (fema.gov), the OpenFEMA policy and claims datasets (policies, claims), the National Flood Insurance Act as codified in 42 U.S.C. 4011 and following, the regulations of 44 CFR Parts 61 and 64, and FEMA's Flood Insurance Manual of October 2025. This product uses the Federal Emergency Management Agency's OpenFEMA API, but is not endorsed by FEMA. The Federal Government or FEMA cannot vouch for the data or analyses derived from these data after the data have been retrieved from the Agency's website(s).
What the site leaves out
It does not quote a premium for your building: only an insurer or an agent can, from the building's own characteristics. Medians describe the policies in an area, not your house. Commercial buildings, condominium associations and two-to-four family buildings are outside the single-family figures. The method page lists every step and its limits; the editorial policy explains corrections.
Contact
contact@floodcostzip.com, for corrections and sources. We answer questions about a rule or a figure, not about your own policy.