Read Your Risk - Mapping the Flood Insurance Landscape

Sprinkles^TM

Flood Insurance Premium Estimate Maps

Mapping the flood insurance landscape

Discover the Hidden Costs of Buying Your Dream Home

When it comes to buying a home, there’s more to consider than just the listing price. Flood insurance premiums could be the hidden cost that makes—or breaks—your budget. With our Flood Insurance Premium Estimate Maps, you can uncover the true financial impact of flood risk before you buy. Here’s why every homebuyer needs this essential tool:

Stay Ahead of Surprises

Imagine moving into your dream home, only to discover flood insurance premiums that stretch your budget. Our maps eliminate the guesswork, showing you home-by-home flood insurance costs so you can plan with confidence.

Choose Wisely, Live Securely

With FEMA’s Risk Rating 2.0 actuarially-based pricing strategy, high premiums now mean higher flood risk. Our maps give you a clear picture of risk areas, empowering you to select a safer location or make an informed trade-off between cost and amenities.

Save Money and Negotiate Smarter

Spot Hidden Costs: Use our maps to see which homes come with manageable premiums and which could cost a fortune over time.
Gain Negotiating Power: If a property has high premiums, you’ll have the knowledge to negotiate a better price or request flood mitigation measures before you buy.

Achieve Peace of Mind

Our maps provide more than just numbers—they offer confidence. Know exactly what you’re getting into, reduce anxiety, and protect your investment with the right information at your fingertips.

Protect Your Future

Flood insurance premiums can impact your home’s long-term value and resale potential. With our maps, you’ll make smarter investments that retain value and avoid costly surprises.

It’s Easy to Get Started

Explore our user-friendly flood insurance premium maps covering most of the U.S. You’ll gain access to:

Accurate, home-by-home data based on FEMA methodology and public data layers.
A transparent view of flood risk costs that helps you budget wisely and live securely.

Don’t take risks with your biggest investment. Try our Flood Insurance Premium Estimate Maps today and step into homeownership with confidence!

Risk Rating 2.0 Premium Estimate Map for neighborhood in western New York

Products

FEMA RISK RATING 2.0 BY ADDRESS – Sprinkles maps

Sprinkles^TM are maps of flood insurance premiums under the National Flood Insurance Program (NFIP). These premium estimates are based on the NFIP Risk Rating 2.0 methodology and publicly available geographic information. By using a standard set of structure and contract inputs, these maps permit an apples-to-apples comparison of flood insurance costs from property to property, showing how location drives premiums.

Some Sprinkles^TM Premium Estimate Maps also include “geographic rates”. These are rate values that incorporate all the location-based factors that go into calculating your premium and are key inputs to the Risk Rating 2.0 Calculator.

Flood Insurance Cost Calculator

The free Risk Rating 2.0 Calculator allows you to customize the premium estimates shown in Sprinkles^TM maps based on details of your home, such as its structural makeup, and your insurance contract preferences. Get the geographic rates for your home / location of interest (available with some Sprinkles^TM maps) and plug them into the Risk Rating 2.0 Calculator; then adjust the inputs to best reflect your home and desired contract.

SprinkleDat – detailed Premium Estimate

SprinkleDat^TM reports summarize the data and calculations behind the premium estimates shown in Sprinkles^TM maps. SprinkleDat^TM summarizes all the data on one page so you can quickly see which factors drive your flood insurance premium estimate, as per the FEMA Risk Rating 2.0 methodology.

SprinkleDat^TM reports are available for any property with a premium estimate value in a Sprinkles^TM map. Each report is customized and lists all the data behind the premium estimate in a Sprinkles^TM map for your specific address.