How Much Will Insurance Cost Me if I Live in Flood Zone X?

On average, homeowners in flood zone X pay $768 per year for a flood policy from the National Flood Insurance Program (NFIP). Premiums for zone X are usually cheaper than other flood zones because these areas have a low to moderate risk of flooding. Private carriers may also sell flood coverage and sometimes at a cheaper rate and with higher coverage limits.

Learn about shaded and unshaded zones, how they can affect your coverage and how rates for zone X compare to the other flood zones.

On This Page

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  What Is Flood Zone X?

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  How Much Does Flood Insurance Cost in Zone X?

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  Should I Consider NFIP Over Private Insurance for Flood Zone X?

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  How To Minimize Damage in Flood Zone X Regions

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  FAQs

What Is Flood Zone X?

Flood zone X is an area with a moderate or low risk of flooding based on the flood insurance rate map (FIRM) created by the Federal Emergency Management Agency (FEMA). These designated areas have a 1% or less chance of experiencing a flood in a given year.^[1]

Properties located in flood zone X may not be required to carry flood insurance by mortgage lenders, although it may still be recommended.

Flood Zone X: Shaded Areas

When looking at a flood map, you may notice that some areas designated as zone X are shaded or unshaded. If zone X is shaded on a flood map, it indicates an area with a moderate risk of flooding. The annual probability of flooding in this zone is between 0.2% and 1%.^[2]

Flood Zone X: Unshaded Areas

On the other hand, if zone X is not shaded on a flood map, then it is an area with a minimal flood hazard risk. Unshaded areas have less than a 0.2% annual chance of flooding.^[2]

How Much Does Flood Insurance Cost in Zone X?

On average, homeowners in zone X pay $768 per year for an NFIP flood policy. The average cost of flood insurance will vary by state, with average annual premiums ranging from $480 to $792.^[2] Keep in mind that standard homeowners insurance does not cover floods. You will need to purchase separate coverage.

Below is a map showing how average premiums for zone X can vary considerably depending on your state.*

*Based on average premiums for policies for both dwelling and contents coverage

Here is a breakdown of states with the highest average cost for zone X. We also include rates for zone A to show how the rates in a high-risk flood zone can be considerably higher than a low- to moderate-risk zone like zone X.

Next, here is a breakdown of states with the lowest average cost for zone X.

Will Living in Flood Zone X Affect My Home Insurance Costs?

Flood insurance is generally not required if you live in zone X so it shouldn’t affect your homeowners insurance rate. If you do decide to buy flood coverage, the cost is relatively cheaper than rates for homes in higher-risk flood zones like zone A and zone V.

Should I Consider NFIP Over Private Insurance for Flood Zone X?

Flood insurance purchased through a private carrier will most likely give you more coverage than a policy through the NFIP. Orchid Insurance shows how a homeowner can purchase flood coverage limits more than triple what the NFIP can offer:^[4]

It is important to evaluate the coverage and cost of both options before making a decision. Here are some other factors to consider:

• Cost: The cost of private insurance policies are generally lower than NFIP policies but it varies based on the location and the flood risk. Obtain quotes from both NFIP and private insurance providers to compare the costs.
• Claims handling: NFIP policies are backed by the federal government with claims being processed through FEMA. Private companies handle private insurance policies. Research the reputation and track record of both options to ensure that they have a good claims handling process.
• Availability: Not all private insurance companies sell flood insurance, so it may be easier to purchase through NFIP. FEMA has a free online tool to find a participating NFIP flood insurance provider near you.

How To Minimize Damage in Flood Zone X Regions

While flood zone X doesn't tend to pose a huge risk, you should still be prepared in case a flood occurs. Here are some tips for a flood protection system and minimizing damage in flood zone X regions:

1. Purchase flood insurance. Without coverage, your water-damaged property will be on you to repair or replace. Getting coverage is wise even if it isn't required and you live in a minimal or moderate flood hazard area.
2. Elevate your home and you may be able to avoid water damage altogether.
3. Install flood vents, which can help equalize the pressure of floodwaters on your home, reducing the risk of structural damage.
4. Install a sump pump so water that seeps into your home is efficiently removed, reducing the risk of water damage.
5. Install backflow valves and prevent sewage and other waste from backing up into your home during a flood.
6. Secure your utilities. This includes making sure your electrical and HVAC systems are elevated above potential flood waters.
7. Create a flood plan. This may include having an emergency kit, knowing where to go if you need to evacuate and having a communication plan in place for staying in touch with family and friends.
8. Keep important documents safe such as insurance policies, birth certificates and passports by storing them in a waterproof and fireproof safe or in a secure location off-site.
9. Stay informed by monitoring weather conditions and staying up-to-date on flood warnings in your area.