A flood insurance calculator that shows where the NFIP stops

It uses the maximum limits in 44 CFR 61.6, as in effect in 2026: $250,000 building and $100,000 contents for one- to four-family homes and condo units, $500,000 building for other residential buildings, and $500,000 building plus $500,000 contents for non-residential buildings. NFIP limits change only by statute.

Anything above those caps is shown as building or contents value above the NFIP limit, and the calculator adds them into excess flood coverage needed. That is the number your producer uses to start an excess or private flood discussion.

The tool does not estimate premiums. NFIP pricing under FEMA's Risk Rating 2.0 depends on each property's individual flood risk, and the definitions block tells the visitor to ask an agent for a quote.

It leaves eligibility, pricing and valuation details to your producer. It does not check flood zones, elevation certificates or whether a property qualifies for replacement cost. It assumes a total loss for the out-of-pocket figure, and it treats building and contents deductibles as separate, which matches how NFIP policies work.

The definitions explain that NFIP pays contents at actual cash value, and that building losses on a primary residence are paid at replacement cost only when insured to at least 80% of replacement cost or the maximum available. That is a natural talking point when the owner's building limit is low.

The calculator also explains that standard homeowners, renters and business policies do not cover flood, which answers the most common misconception before the phone rings.

Agencies writing in coastal, river and low-lying markets, agencies that place NFIP policies alongside private flood, and commercial agencies whose clients carry inventory or equipment. It is also useful for any personal-lines agency, because flood exposure exists outside high-risk zones and many homeowners never ask.

High-value homes are the clearest excess case: a rebuild cost well above the NFIP building cap leaves a gap the owner rarely knows about until a claim.

Businesses choose the non-residential option, which surfaces contents and inventory above the cap and opens a commercial property and business income conversation.