What Is The Cost Of Flood Insurance In Zone A?

A lot of homeowners consider flood insurance when they are considering a new home. The fear of flooding is real, and some people may think that flood insurance is necessary just in case. But what is the cost of flood insurance in Zone A?

If you live in Zone A, you might be wondering what the average cost of flood insurance is. In this article, we will explore the cost of flood insurance in Zone A and compare it to other zones. We will also provide a calculator so that you can see exactly how much it would costs you to have flood insurance for your home.

What is a Flood?

A flood is a natural disaster that occurs when water levels in a body of water, such as a river, lake or ocean, rise high enough to cover areas of land around and below the body of water. Flooding can occur from heavy rains, snowmelt, hurricanes, or other types of intense rain or storm activity. Flooding can be damaging to structures and property, and may cause fatalities if not taken seriously.

Flood insurance protects homeowners and businesses from financial losses caused by flooding. The cost of flood insurance varies depending on the location and type of home or business policy. In some cases, it may be mandatory for properties located in certain high-risk areas to carry flood insurance. The National Flood Insurance Program (NFIP) is a government-run program that provides nationwide coverage for residential and small commercial properties at no cost to policyholders.

The NFIP has two types of policies: primary and secondary coverage. Primary coverage pays out immediately if the home is damaged by floodwaters while secondary coverage kicks in after the first $250,000 in damages are incurred. All homes within an NFIP zone must have either primary or secondary coverage unless they are declared exceptions by FEMA.

How Much Does Flood Insurance Cost in Zone A?

Flood insurance is available through the National Flood Insurance Program (NFIP) for homes and businesses in flood-prone zones. The NFIP premiums vary depending on the home or business location within a specific flood zone, but typically range from $200 to $500 per year. However, because each situation is unique, it’s important to speak with an insurance agent to get a personalized quote.

The cost of flood insurance increases as your home or business lies closer to a river or other body of water that regularly floods. In some cases, it might be necessary to have both homeowners and business policies in order to cover all potential areas of vulnerability.


If you live in Zone A of the Houston area, you may be wondering what the cost of flood insurance is. According to Floodsmart, the average price for flood insurance in Zone A is $1,064 per year. This price includes both personal and commercial coverage.

If your home is located within a 100-year floodplain, you will also need to purchase an annual Declaration of Property Flood Risk Assessment from your local county assessor’s office. This assessment will tell you if your property has a higher than normal risk of flooding.