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NFIP’s Pricing Approach State Profiles

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.


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

ZIP-Code Level

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