How much does Commercial Flood Insurance cost? Average premiums by business size, industry, and state — plus the key factors that drive your rate up or down.
Comprehensive FAQ, cost guide, and claims examples for commercial flood insurance — coverage for business property damage from floods and water events.
Commercial flood insurance protects business properties from flood damage through the NFIP or private insurers, covering buildings and contents.
| Business Size | Annual Revenue | Typical Premium | Notes |
|---|---|---|---|
| Small Building | Under $500K | $500–$2,000/yr | Basic flood coverage for building and contents. |
| Large Property | $2M+ | $5,000–$25,000/yr | Higher limits and business interruption coverage. |