Calculator inputs
Use the fields below to model limits, risk, and credits.
Required fields are marked *
Formula used
The calculator estimates annual premium using a transparent factor model:
BasePremium = (TotalCoverage / 100) × ZoneRate
ModeledPremium = BasePremium × Π(Factors)
AnnualEstimate = max(ModeledPremium + PolicyFee + Surcharge, MinimumAnnual)
ModeledPremium = BasePremium × Π(Factors)
AnnualEstimate = max(ModeledPremium + PolicyFee + Surcharge, MinimumAnnual)
- ZoneRate is a base rate per $100 of total coverage by zone.
- Factors include property type, construction, foundation, elevation, deductible, claims, community discount, mitigation credits, and endorsements.
- Coinsurance penalty may apply when building limit is below the selected target compared to replacement value.
This tool is for planning and comparison; insurers may price differently.
How to use this calculator
- Enter your building, contents, and downtime coverage limits.
- Select flood zone and describe the building risk profile.
- Set deductible and coinsurance, then add discounts and credits.
- Click Calculate Premium Estimate to view results.
- Use Download CSV or Download PDF to share.
Example data table
| Scenario | Zone | Type | Total Coverage | Deductible | Claims (5y) | Community Discount | Estimated Annual |
|---|---|---|---|---|---|---|---|
| Office near river | AE | Office | USD 2,050,000 | 5,000 | 0 | 10% | USD 5,900 – 9,200 |
| Warehouse inland | X | Warehouse | USD 1,200,000 | 10,000 | 1 | 5% | USD 1,800 – 3,100 |
| Hospitality coastal | VE | Hospitality | USD 3,000,000 | 2,500 | 2 | 0% | USD 18,000 – 30,000 |
Ranges illustrate variability; your modeled result is shown above after calculation.
Note
This estimate is not an insurance quote or guarantee. Always confirm pricing, eligibility, and terms with a licensed provider.