Free tool for Orlando-area homebuyers to see real flood insurance costs before making an offer, based on FEMA's Risk Rating 2.0 pricing model.
FEMA Risk Rating 2.0 is the current method FEMA uses to price National Flood Insurance Program policies. Instead of relying only on flood zone maps, it factors in a property’s specific flood risk, distance to water, elevation, and rebuilding cost, so two nearby homes can have very different premiums.
Flood zone maps show regulatory risk for mortgage requirements, not actual flood risk. A large share of Florida flood claims come from homes outside high-risk zones, so it is worth checking real flood cost before ruling insurance out.
Cost varies significantly by elevation, distance to water, and construction type, even within the same neighborhood. Use the calculator to get a realistic range for a specific address before making an offer.