The average cost of flood insurance in Pennsylvania is $1,030 per year when purchased through the National Flood Insurance Program (NFIP).  But your own flood insurance rates may be lower or higher than the statewide average depending on your home’s location and risk of being flooded.
While flood insurance isn’t legally required in Pennsylvania, your mortgage lender may require you to purchase a policy if you live in a Federal Emergency Management Agency (FEMA) designated special flood hazard area according to the agency’s flood maps. Pennsylvania homeowners can purchase flood insurance through the NFIP, which is a FEMA-backed program, or through private flood insurance companies.
How much is flood insurance in Pennsylvania?
The average cost of flood insurance in Pennsylvania is $86 per month through the NFIP, the federal government entity that provides the vast majority of flood insurance policies in the U.S; while private flood insurance costs around $78 per month.
Looking at the 29 Pennsylvania cities with at least 200 policyholders, the average cost of flood insurance is as high as $3,163 in Harrisburg, a city with an extreme risk of flooding over the next 30 years; and as low as $458 per year in Swoyersville, a city with a moderate risk of flooding, according to Risk Factor. 
Your flood insurance costs are generally calculated based on the following factors:
Where you live
Your home’s elevation and construction type
The amount of coverage in your policy
Policy deductible amount
In addition to the above factors, the amount you pay for flood insurance will also depend on how your flood insurance provider calculates your rates.
10 cheapest Pennsylvania cities for flood insurance
Here are the cheapest cities in Pennsylvania for flood insurance out of those with at least 200 NFIP policyholders.
Average annual cost
10 most expensive Pennsylvania cities for flood insurance
Here are the most expensive cities in Pennsylvania for flood insurance out of those with at least 200 NFIP policyholders.
Average annual cost
Flood insurance rates by flood zone in Pennsylvania
Flood insurance rates in Pennsylvania will generally vary depending on where you live and whether or not your house is in a FEMA flood zone, which it determines based on the likelihood of flooding over a period of time.
Any A or V zone, for example, has at least a 1% chance of flooding during any given year. Also referred to as a 100-year flood plain, these areas have the highest flood risk, according to FEMA flood maps.
Here are the average flood insurance rates in areas with a high risk, moderate to low risk, and undetermined risk, according to an analysis of NFIP premium data.
Average annual cost
High risk (A or V)
Moderate to low risk (B, C, or X)
Undetermined risk (D)
Regardless of which flood zone you live in, you’ll want to make sure you’re finding the best flood insurance at the most affordable rate. For the best flood insurance policy comparison, consider comparing both NFIP and private flood insurance plans with Policygenius.
Is flood insurance mandatory in Pennsylvania?
While you aren’t legally required to buy flood insurance in Pennsylvania or anywhere else in the country, if your home is one of the approximately 180,884 in a FEMA high-risk flood zone, your mortgage lender may require it as part of your loan agreement.
But even if your lender doesn’t require it, homeowners in flood-prone counties in the southeast, southwest, and northwest parts of the state should consider flood insurance protection. While only around 3% of Pennsylvania homes are located in high-risk areas according to FEMA flood maps, Risk Factor estimates this number to be more like 13%, so your home may face greater risk than you’re even aware of. 
Here’s a look at the total number of housing units and the percentage of all homes in high-risk flood zones for each county in Pennsylvania.
What does flood insurance cover in Pennsylvania?
Flood insurance helps cover the cost of flood damage to your home and belongings. That means if your house is damaged due to flooding caused by heavy rainfall, a coastal storm, a lake overflow, or any other sources of natural flooding, flood insurance can pay to repair or replace your property.
A standard flood insurance policy through the NFIP comes with two main coverages that can be purchased together or individually.
Building property coverage: Pays to repair or rebuild your house or garage if they’re damaged in a flood. The maximum building property coverage limit with the NFIP is $250,000, meaning that’s the most the NFIP will reimburse you for repairs, regardless of the damage amount.
Personal property coverage: Pays to repair or replace your belongings if they’re damaged in a flood. This includes your furniture, electronics, clothes, and any other items you own. The maximum personal property coverage limit with the NFIP is $100,000.
Each coverage also comes with its own separate out-of-pocket deductible, which is the amount you’re responsible for paying on each claim. Choosing a higher deductible will lower your flood insurance premium, but it will also reduce your claim payment.
Compare NFIP & private flood insurance in Pennsylvania
Pennsylvania homeowners can buy flood insurance in one of two ways: through the NFIP, which is regulated and backed by the federal government and sold by insurance companies, or private flood insurance.
Private flood insurance policies typically come with higher reimbursement limits for your home and personal belongings. Additionally, they often include coverages and perks that aren’t available in the NFIP plan, including loss of use coverage to help cover the cost of lodging or restaurant meals in the event your house is badly damaged and you’re forced to evacuate; or replacement cost coverage for your personal belongings.
Here’s a look at what Pennsylvania residents can expect with NFIP and private flood insurance.
NFIP flood insurance
Private flood insurance
Building property coverage
Max of $250,000
Up to $15,000,000 depending on the company
Personal property coverage
Max of $100,000
Up to $1,000,000 depending on the company
Additional living expenses
Limited to wall fixtures, air conditioners, washer/dryers
$1,000 to $10,000
$1,000 to $50,000
As little as 0 to 10 days
Accepted by mortgages
56 states and jurisdictions
May be limited in higher-risk areas
Pennsylvania flood insurance companies
The best way to shop for flood insurance is to compare quotes from both the NFIP and private flood insurance companies. If you have homeowners insurance, then your provider may offer flood insurance via the NFIP or their own standalone flood insurance policy or coverage endorsement.
After analyzing data from the National Association of Insurance Commissioners, we found at least 12 companies that offer private flood insurance in Pennsylvania. If you’re looking for better coverage or lower rates, consider getting quotes from one of the following companies.
Average annual cost
National Fire & Marine Insurance
The Flood Insurance Agency
United Speciality Insurance
Our team of licensed insurance agents at Policygenius can help you compare policies and find the best option for you. Click the calculator to get started.