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How much does home insurance cost in a flood zone?

I live in Mississippi and the house I just moved into is in an area that experiences flooding. I’m trying to figure out my homeowners insurance. How much will home insurance cost in a flood zone?

avatar
Andrew Biro · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
This is a great question—the cost of homeowners insurance isn’t typically affected directly by your living in a flood zone but rather by the other dangers associated with it. This is because flooding itself isn’t a peril that standard home insurance policies cover.
That said, if you live in a location that experiences frequent flooding, you’ll probably experience frequent hurricanes, tropical storms, or severe weather as well. The high frequency of these disasters will almost certainly push the cost of homeowners insurance above the national average of $1,400 a year—probably closer to $1,800.
The perils associated with these other common disasters—primarily wind and lightning damage—will be covered by the named perils of your standard homeowners policy.
If you want to protect your home and belongings from flooding, you’ll have to purchase
flood insurance
through the National Flood Insurance Program (NFIP) or a private insurer. On average, flood insurance will cost you $958 per year.
Homeowners insurance can be expensive, but it doesn’t have to be. Licensed car and
home insurance
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