How much does flood insurance cost?

City staff cannot provide property owners estimates of how much their required flood insurance premium might be. Flood insurance premiums take into consideration many site-specific factors including, but not limited to, an individual property’s level of flood risk, design and age of a structure, and desired coverage amount. The City recommends property owners contact their insurance agent regarding potential insurance costs. The National Flood Insurance Program (NFIP) is also a good resource. Visit for additional information about what factors may impact flood insurance policy costs.  

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1. What is a flood map, or Flood Insurance Rate Map (FIRM)? What is a Flood Insurance Study?
2. How can I determine if my property will be impacted by FEMA’s Flood Risk Mapping Project?
3. If the revised maps show that my property is in the Special Flood Hazard Area (SFHA) will I be required to get insurance?
4. How will I be notified of flood insurance requirements?
5. How much does flood insurance cost?
6. Am I required to get insurance if no buildings on my property are in the Special Flood Hazard Area (SFHA)?
7. Will renters be impacted by the flood map revisions? Are they covered under renters’ insurance?