A Comprehensive Guide to Flood Insurance in Pennsylvania

In Pennsylvania, the cost of flood insurance can vary depending on factors such as location and the structure of your home. This comprehensive guide will provide you with all the necessary information about flood insurance in Pennsylvania, including average costs, coverage amounts, and tips for finding
affordable policies.

Understanding Flood Insurance Costs in Pennsylvania

The cost of flood insurance in Pennsylvania is influenced by various factors, including the location of your property and the structure of your home. On average, Pennsylvanians pay around $116 per month for flood insurance, which is $34 more per month than the national average. However, it’s important to note that these are average figures, and the actual premium for a flood policy can vary significantly depending on your specific circumstances.

To give you a better idea of the cost of flood insurance in different cities in Pennsylvania, here are some examples:

CityPolicies in forceAverage coverage amountAverage premium

Please note that these figures are based on available data for the ten most populous cities in Pennsylvania.

However, as mentioned earlier, the premiums can vary widely depending on your specific location and home structure. 


Factors Influencing Flood Insurance Premiums

The premium for a flood insurance policy is determined by several factors, including the flood risk level of your area and the coverage limits you choose. The Federal Emergency Management Agency (FEMA) establishes flood rate maps that designate different levels of flood risk for various areas within each state. These maps play a significant role in determining flood insurance rates and requirements.

If your property is rezoned into a Special Flood Hazard Area (SFHA) by FEMA, your mortgage lender will likely require you to purchase flood insurance in addition to your existing homeowners insurance. SFHAs are areas that have a higher risk of flooding, and therefore, additional insurance coverage is necessary to protect your property.


Tips for Finding Affordable Flood Insurance in Pennsylvania


Whether you’ve been rezoned into a new SFHA or simply want to find affordable flood insurance coverage in a high-risk area, there are steps you can take to find a policy that suits your needs and budget.

1. Compare Quotes: When looking for flood insurance in Pennsylvania, it’s essential to compare quotes from multiple companies to find the best rates and coverage options. While the rates for an NFIP sponsored flood policy are the same regardless of where you purchase it, private flood insurers may offer more affordable policies tailored to your specific requirements.

2. Consider Private Insurers: In Pennsylvania, you have the option to purchase flood insurance directly from licensed private insurers. These private companies may offer better value than the standardized NFIP policy, so it’s worth exploring this option to potentially find more competitive rates.

3. Evaluate Coverage Needs: Assessing your coverage needs is crucial when purchasing flood insurance. Understanding the value of your property and belongings, as well as the potential cost of flood damage, will help you determine the appropriate coverage limits. By carefully considering these factors, you can ensure that you’re not overpaying for unnecessary coverage.

4. Mitigate Flood Risk: Taking steps to mitigate the risk of flooding in your property can also help reduce your insurance premiums. Simple measures like installing flood-resistant doors and windows, elevating utilities, and improving drainage systems can demonstrate to insurers that you’re actively working to protect your property.


Flood Insurance Companies in Pennsylvania

While most flood insurance policies in the country are backed by the National Flood Insurance Program (NFIP), Pennsylvania allows you to purchase flood insurance directly from licensed private insurers. These private companies are responsible for selling NFIP policies to consumers and handling flood damage claims.

By exploring both NFIP and private insurance options, you can compare policies and find the best coverage and rates for your specific needs.


Frequently Asked Questions

1. Is flood insurance required in Pennsylvania? In some cases, flood insurance may be required if your property is located in a designated flood zone or SFHA. Your mortgage lender will typically determine this requirement.

2. How is flood insurance premium calculated? Flood insurance premiums are calculated based on factors such as the flood risk level of your area, the coverage limits you choose, and the structure of your home.

3. Can I purchase flood insurance if I’m not in a high-risk area? Yes, you can purchase flood insurance even if you’re not in a high-risk area. It’s always a good idea to assess your flood risk and consider purchasing coverage to protect your property.

4. Can I cancel flood insurance at any time? Yes, you can cancel your flood insurance policy at any time. However, it’s important to consider the potential risks involved in discontinuing your coverage. 

These FAQs provide a comprehensive overview, but for specific details related to your policy, it’s recommended to consult with your insurance provider or a professional in the field



Understanding flood insurance in Pennsylvania is crucial for homeowners in flood-prone areas. By being aware of the average costs, factors influencing premiums, and tips for finding affordable coverage, you can make informed decisions to protect your property. Remember to compare quotes from multiple insurers, evaluate your coverage needs, and consider both NFIP and private insurance options. With the right flood insurance policy in place, you can have peace of mind knowing that your home is protected against the financial impacts of flooding.

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