how can I estimate roughly hazar and flood insurance costs for a home? Is there a quick calculator?

Asked by Fedeyvale, Miami, FL Wed Apr 9, 2008

or something? THANKS

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Karin Bertra…, Agent, Miami Beach, FL
Tue May 13, 2008
Dear Fred,
You can find the estimated premium cost for you house at http:// as well as a lot of other helpful information and insurance agents serving in your area. You should contact an insurance agent to obtain an exact quote for your property.

Let me know if you have anymore questions, since I would be more than happy to help you with that.

Karin Bertrand
Bertrand Realty Group
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1 vote
Mobrien381, Home Buyer, Miami, FL
Sun Dec 31, 2017
All of these agents a full of it. You should be able to make an estimate based on a rate factor on the dollar of coverage. That factor is simply based on the flood zone. Make the assumption that you have picked the correct flood zone and the property is built to code. If I didn't get that right then its on me but to say you can't get an estimate is not believable.

I keep getting the answer that they can't give you an estimate until the house is built. How ridiculous.

Mortgage companies are investigating every dollar of expense you have to qualify and they don't know what your flood ins will be.

My guess is every agent is to lazy to look it up, to scared they will make a mistake, or so ignorant that they don't know how too. Insurance agents are second only to realtors as the worst "professionals" I have ever dealt with.
0 votes
Cccyclist96, Home Buyer, Miami, FL
Wed Oct 4, 2017
estimate flood insurance at 2610 keyhole, Houston, tx. 77084
0 votes
Diane Christ…, Agent, Sarasota, FL
Mon Jul 3, 2017
To calculate accurate flood insurance rates your insurance agent would need a copy of the Elevation Certificate, as flood insurance rates are heavily impacted by the Base Flood Elevation of the area and the elevation of the particular home compared to the BFE. So no quick calculators.

On hazard insurance, there are a number of factors that impact rates, such as age of the home, age of the roof, is the home eligible for wind mitigation discounts, how far is the home from the nearest fire hydrant, etc.

You didn't mention wind insurance, but if you're looking at Miami area homes nearer to the beach, the home may also be in a special hazard wind zone.

If you find a home (or 2 or 3) that you are seriously considering, have a local insurance agent calculate estimates for the various types of insurance you will need. You'll get a lot closer estimate than attempting to use some sort of online calculator.
0 votes
Bellaluna3113, Home Buyer, New York, NY
Fri Jun 30, 2017
I am a AE flood zone in zip code 11758 what is an estimate of insurance the house is worth 500,000
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Bellaluna3113, Home Buyer, New York, NY
Fri Jun 30, 2017
What is a rough price for flood insurance for elevation AE
0 votes
Wilburpost, Home Buyer, Miami, FL
Sat Sep 24, 2016 seems to be effective. NY and some other states are excluded. It's disappointing that there are not more of these tools available. Perhaps the CFPB can encourage the insurance industry to be more transparent.
0 votes
Joe Snapp, Other Pro, Bainbridge Island, WA
Wed Jan 8, 2014
Hello Fred,

Yes sort of -- try this new instant online service - There's no quicker or easier way to buy NFIP flood insurance coverage

I can help you and anyone else who wants fast NFIP flood insurance quotes online, all 50 states served. Go online to and enter the property address for flood insurance. Within seconds (or hours to days depending on flood zone complexity) you will receive an actual live FEMA NFIP flood policy quote - not an estimate. FYI flood hazard and policy costs are impossible to estimate for most lender mortgage base needs, for flood zones A to V, which means required NFIP insurance usually.

* Full disclaimer, this is my online flood insurance agency. We are a TrustedChoice independent agency for FEMA and NFIP appointed and authorized to quote, sell and service flood insurance for all residential and commercial policyholders in all 50 states and territories. This is all we do. Please try us.

Joe Snapp - Licensed Agent Founder, CEO
FloodBuddy Insurance LLC

800-419-6211 - Flood Sales
855-304-3335 - Flood Fax
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0 votes
Pamela Mayers, Agent, Coral Gables, FL
Thu Apr 10, 2008
Go to and put in the address and you will get the flood zone. I would defintely call an insurance agent with the correct information. I heard of a closing where the price of the flood went from 1 to 6 thousand the day before closing-this house was on the water-but I would get a quote in writing, more than one too. Remember there is wind and contents, two different. You will probably have to buy three insurances. Work on this early in the transaction. Your real estate agent will be able to help you find good people-Pam Mayers-EWM Realtor-305-216-5864
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RN, , Miami, FL
Thu Apr 10, 2008
For hazard and flood insurance you need to know the address--different areas of the region have different insurance ratings and requirements--some need no flood insurance at all.
Call me and I'll be happy to go over it with you.
0 votes
Myke Atwater, Agent, Santa Rosa Beach, FL
Wed Apr 9, 2008
your county website probably has a tax estimator--go to the property appraisers site on the county, or the easiest way is to call a realtor--easy info to share with you. Insurance--easiest way is to call an independent agent in the area, give them an address, and their software enables them to pull up a quote for you within minutes. Easier than you surfing for answers!!
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