Sprinkles
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 list price. Flood insurance premiums could be the hidden cost that makes—or breaks—your budget. With our Flood Insurance Premium Estimate Maps, you can integrate the cost of flood risk into your decision. Here’s why every homebuyer needs this essential tool:
Choose Wisely, Live Securely
With FEMA’s new actuarially-based pricing strategy, higher flood risk now directly translates to higher premiums. 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
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.
Know exactly what you’re getting into, reduce anxiety, and protect your investment with the right information at your fingertips.
It’s Easy to Get Started
Explore our user-friendly flood insurance premium maps covering the lower 48 states. You’ll gain access to:
- Accurate, home-by-home data based on FEMA’s pricing 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!
Products
FEMA RISK RATING 2.0 BY ADDRESS – Sprinkles maps
SprinklesTM 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 SprinklesTM 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 SprinklesTM 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 SprinklesTM 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
SprinkleDatTM reports summarize the data and calculations behind the premium estimates shown in SprinklesTM maps. SprinkleDatTM 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.
SprinkleDatTM reports are available for any property with a premium estimate value in a SprinklesTM map. Each report is customized and lists all the data behind the premium estimate in a SprinklesTM map for your specific address.
Learn More
Read Your Risk premium estimates use FEMA’s Risk Rating 2.0 methodology. For more information, see FEMA’s rate explanation guide.