Flood Insurance Costs & Rates in Pennsylvania

In Pennsylvania, flood insurance costs an average of $1,390 per year. If you live in a flood zone, your mortgage lender may require you to purchase flood insurance in addition to your homeowners insurance.

How much is flood insurance in Pennsylvania?

Pennsylvanians who have flood insurance pay an average of $116 per month, which is $34 more than the national average.

City

Policies in force

Average coverage amount

Average premium

Philadelphia

3493

$254,796

$956

Pittsburgh

476

$354,386

$2,228

Allentown

101

$241,716

$2,109

Erie

62

$333,226

$885

Reading

48

$536,025

$7,939

Bethlehem

163

$281,125

$2,214

Scranton

376

$213,572

$811

Lancaster

130

$182,736

$1,995

Harrisburg

612

$257,329

$3,639

York

69

$205,977

$1,109

We included the 10 most populous cities in Pennsylvania for which flood insurance data was available.

The premium for a flood policy, on the other hand, varies greatly depending on the location and structure of your home.

The Federal Emergency Management Agency's (FEMA) flood rate maps, which designate levels of flood risk for different areas of each state, influence flood insurance rates and requirements in part. As a result, flood insurance premiums can vary greatly, even within the same county or city.

If FEMA rezones your property as a Special Flood Hazard Area (SFHA), your mortgage lender will almost certainly require you to purchase flood insurance on top of your existing homeowners insurance.

How to get cheap flood insurance in Pennsylvania

There are two steps to finding a cheap flood insurance policy in Pennsylvania, whether you've been rezoned into a new SFHA or can't find affordable coverage in your high-risk area.

Begin by obtaining a quote from an agent or insurer who is approved by the National Flood Insurance Program (NFIP). Then, compare flood insurance quotes from private companies.

Because the rates for an NFIP-sponsored flood policy are the same no matter where you look, comparing quotes is only necessary if you choose private flood insurance. However, NFIP coverage can be expensive for some homeowners, whereas private flood insurers may be able to provide an affordable policy tailored to your specific needs.

To find the best rates and coverage, we recommend comparing flood insurance quotes from multiple companies.

Flood insurance companies in Pennsylvania

The NFIP backs the majority of flood insurance policies in the country, but private companies are primarily responsible for selling those policies to consumers and servicing flood damage claims. In Pennsylvania, you can also buy flood insurance directly from licensed private insurers, who may offer a better deal than the standardized NFIP policy.

In Pennsylvania, there are currently 27 insurers offering private flood insurance. Surplus line insurers, which are out-of-state companies licensed to write private flood insurance policies in the state, are included on this list.

  • Allstate
  • American Commerce
  • American National
  • American Strategic
  • Assurant
  • Auto-Owners
  • Everett Cash Mutual
  • Farm Family Casualty
  • Farmers
  • The Hartford
  • Homesite
  • Liberty Mutual
  • National General
  • NFIP Direct Servicing Agent
  • NGM
  • Occidental
  • Pacific Specialty
  • Philadelphia Contributionship
  • Philadelphia Indemnity
  • Pilgrim
  • Privilege Underwriters
  • QBE
  • Universal North America
  • USAA
  • Westfield
  • Windsor Mount Joy
  • Wright National