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Compare the published records.

Published averages describe a portfolio of insured properties. They are not property quotes.

States and territoriesCountiesRank by premium + feeRank by net payments
NFIP county statistics, August 31, 2026. Page 2 of 31
CountyAverage premium + fee / unitRecorded lossesNet dollars paid
Clear Creek County$2,16529$54,141
Defiance County$2,159330$2,488,737
Tompkins County$2,158278$1,749,866
Pocahontas County$2,157732$15,534,159
Independent City$2,15647$664,538
Barbour County$2,156381$3,674,135
Rice County$2,15575$3,499,888
Monroe County$2,15427,519$714,318,998
Tioga County$2,151246$3,548,655
Clay County$2,14578$5,481,374
Cameron Parish$2,1413,657$213,545,865
Tazewell County$2,134483$7,667,953
Glacier County$2,1275$31,866
Wyoming County$2,1261,422$31,120,097
Dauphin County$2,1245,481$89,330,469
Humphreys County$2,124235$15,663,856
Wakulla County$2,1201,613$35,035,379
Culberson County$2,1201$63,112
Montezuma County$2,11219$19,333
Morris County$2,1129,346$199,405,793
Whitley County$2,11129$253,161
O'Brien County$2,1094$144,474
Bond County$2,1076$282,175
Windham County$2,10784$1,878,729
Amherst County$2,10682$1,465,705
Delaware County$2,1051,337$40,397,380
Breathitt County$2,101218$7,802,546
Foard County$2,1000$0
Osceola County$2,0982$21,352
Caldwell County$2,09088$1,601,763
Boone County$2,090495$3,943,984
Whitman County$2,08658$612,441
Pike County$2,0832,676$58,556,124
Somerset County$2,0826,493$239,870,443
Monongalia County$2,081368$3,199,635
Lawrence County$2,080165$1,536,414
Mercer County$2,075126$949,706
Mcdowell County$2,071120$8,718,361
Greenlee County$2,067149$2,285,311
Northampton County$2,0641,577$48,304,775
Tioga County$2,0641,615$61,841,101
Cottonwood County$2,06443$469,632
Fillmore County$2,05999$753,114
Citrus County$2,0547,308$387,599,412
Mercer County$2,052439$5,273,810
Johnson County$2,051448$31,682,003
Calhoun County$2,049274$2,324,833
Jackson County$2,04223$309,114
Hancock County$2,041375$4,128,455
Kanawha County$2,0362,462$42,457,170
Marion County$2,025376$5,906,649
Shannon County$2,02423$179,788
Tucker County$2,024373$7,099,424
Lawrence County$2,02432$520,716
Mercer County$2,023189$5,032,044
Marshall County$2,022534$4,091,213
Clay County$2,02271$1,634,036
Park County$2,0183$343
Jefferson County$2,0170$0
Conejos County$2,0114$0
St. Louis County$2,00611,649$262,573,483
Taliaferro County$2,0060$0
Kennebec County$2,005435$7,434,654
Oldham County$2,0021,029$26,511,080
Wibaux County$2,0023$77,084
Boone County$2,00135$484,500
Guam$2,000188$2,548,763
Independent City$2,000147$3,693,010
Butler County$1,999938$16,001,943
Hinsdale County$1,9961$0
Fayette County$1,995754$10,277,568
Johnson County$1,994308$5,215,318
Jackson County$1,99220$366,147
Caledonia County$1,991277$6,191,514
Polk County$1,99144$664,858
Ashe County$1,988184$7,379,834
Elk County$1,985318$7,517,403
Washington County$1,98316$102,011
Mcnairy County$1,97716$866,797
Owyhee County$1,9750$0
Greene County$1,972258$3,380,573
Sonoma County$1,9727,520$133,025,221
Beaver County$1,967864$14,312,546
Greene County$1,965598$19,260,117
Martin County$1,959587$8,294,156
Fulton County$1,953108$817,668
Hot Spring County$1,95319$224,823
Levy County$1,9521,323$55,431,664
Falls County$1,9473$111,285
Jersey County$1,9472,426$26,972,743
Somervell County$1,94557$904,470
Johnson County$1,94251$2,226,998
Webster County$1,941203$2,497,770
Monroe County$1,941107$1,151,904
Mitchell County$1,94053$2,690,088
Wyoming County$1,938943$14,572,990
Burke County$1,937124$11,053,519
Alexander County$1,9376$41,884
Henderson County$1,93618$550,815
Baker County$1,93345$744,165

Policy units include condominium units under master policies. Losses are cumulative reported records and include claims closed without payment. Pricing depends on the mix of insured buildings; these rankings do not rank geographic flood risk. Counties with no in-force policy units have no premium average and sort after those with an average.