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      EnglishEspañolFrançaisKreyòlTiếng Việt简体中文한국어  Flood Insurance
              
              
                                                                                                                                                      
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                    

              NFIP’s Pricing Approach
                          NFIP’s Pricing Approach

                      NFIP’s Pricing Approach State Profiles
              
                                  
            
    Archived: Risk Rating 2.0 State Profiles
                  
                                                    Cost for Single-Family Homes
                                                    
                                                            Find an Insurance Form
                                                        Work with National Flood Insurance
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          NFIP’s Pricing Approach State Profiles
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With the implementation of the National Flood Insurance Program’s (NFIP) pricing approach, FEMA delivers rates that more accurately reflect flood risk and ensure the NFIP will be here for this generation and generations to come.



Featured



NFIP Pricing Approach Interactive Map



Try the interactive map developed by the Association of State Floodplain Managers (ASFPM) and The Pew Charitable Trusts that breaks down projected premium changes by state and territory.



Take a deeper dive by reviewing ZIP code-level data for existing single-family homes (SFH) and all existing National Flood Insurance Program (NFIP) policies.



Descriptions of Available Data and Information



For each state/territory and the District of Columbia, there are five documents available for download. Please see below for descriptions, or jump to the downloads.



State Profile



Detailed report on the NFIP’s pricing approach for each state/territory.



Premium Change Analysis



Explanation of the numbers used in each state/territory's **county** and **ZIP code** breakdowns. Additionally, please see our county and ZIP code overview documents, which contain data for every state/territory in a single document:



County Level



Overview: **County-Level Premium Change Analysis****County-level data** for all states and territories



ZIP-Code Level



Overview: **ZIP Code-Level Premium Change Analysis****ZIP code-level data** for all states and territories



Past Pricing Factors vs Current Factors



Compares rates that would occur under the old methodology to those implemented with the NFIP’s pricing approach. Includes average replacement cost value.



Includes explanation of and data on the numbers used in the state profile bar graphs for each state/territory included in the policy breakdowns. View the archived breakdowns.







Search NFIP's Pricing Approach by State or Territory
Search by State/Territory
        AlabamaAlaskaAmerican SamoaArizonaArkansasCaliforniaColoradoCommonwealth of the Northern Mariana IslandsConnecticutDelawareDistrict of Columbia (DC)FloridaGeorgiaGuamHawaiiIdahoIllinoisIndianaIowaKansasKentuckyLouisianaMaineMarylandMassachusettsMichiganMinnesotaMississippiMontanaMissouriNebraskaNevadaNew HampshireNew JerseyNew MexicoNew YorkNorth CarolinaNorth DakotaOhioOregonOklahomaPennsylvaniaPuerto RicoRhode IslandSouth DakotaSouth CarolinaTennesseeTexasUtahVermontVirgin IslandsVirginiaWest VirginiaWisconsinWyomingWashington
    
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Alabama — Risk Rating 2.0 — County Breakdown
May 28, 2021
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Alabama — Risk Rating 2.0 — New Methodology vs Old Methodology
January 11, 2022
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Alabama — Risk Rating 2.0 — New Methodology vs Old Methodology Narrative
January 11, 2022
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Alabama — Risk Rating 2.0 — State Profile
March 30, 2021
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Alabama — Risk Rating 2.0 — ZIP Code Breakdown
May 28, 2021
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Alaska — Risk Rating 2.0 — County Breakdown
May 28, 2021
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Alaska — Risk Rating 2.0 — New Methodology vs Old Methodology
January 11, 2022
  Download File
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Alaska — Risk Rating 2.0 — New Methodology vs Old Methodology Narrative
January 11, 2022
  Download File
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Alaska — Risk Rating 2.0 — State Profile
March 30, 2021
  Download File
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Alaska — Risk Rating 2.0 — ZIP Code Breakdown
May 27, 2021
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American Samoa — Risk Rating 2.0 — New Methodology vs Old Methodology
January 11, 2022
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American Samoa — Risk Rating 2.0 — New Methodology vs Old Methodology Narrative
January 11, 2022
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Arizona — Risk Rating 2.0 — County Breakdown
May 28, 2021
  Download File
    file icon
Arizona — Risk Rating 2.0 — New Methodology vs Old Methodology
January 11, 2022
  Download File
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Arizona — Risk Rating 2.0 — New Methodology vs Old Methodology Narrative
January 11, 2022
  Download File
    file icon
Arizona — Risk Rating 2.0 — State Profile
March 30, 2021
  Download File
    file icon
Arizona — Risk Rating 2.0 — ZIP Code Breakdown
May 28, 2021
  Download File
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Arkansas — Risk Rating 2.0 — County Breakdown
May 28, 2021
  Download File
    file icon
Arkansas — Risk Rating 2.0 — New Methodology vs Old Methodology
January 11, 2022
  Download File
    file icon
Arkansas — Risk Rating 2.0 — New Methodology vs Old Methodology Narrative
January 11, 2022
  Download File
  
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Last updated September 27, 2023

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