average cost of flood insurance in florida
Away from the Florida coastline and river flood plains is the low-moderate risk zone. In this zone, in a given year there is a less than 1 percent chance of flooding. Due to the decreased risk, flood insurance rates in this region are much cheaper, ranging from $49 to $1636 per year.
1 Annual premiums for flood insurance on a single-family one-story home average about $400-$450 nationwide but can be as low as $112 in a low-risk area and more than $2,000 a year in flood-prone areas. 2  FloodSmart.gov provides quick quote charts for rough cost estimates and a location risk calculator.
1 Annual premiums for flood insurance on a single-family one-story home average about $400-$450 nationwide but can be as low as $112 in a low-risk area and more than $2,000 a year in flood-prone areas.