Flood insurance in Bayamón Municipio, Puerto Rico
215 homes and businesses here carry FEMA flood insurance, paying $399 a year on average. Since 1978 the program has paid $3.5 million on 522 flood claims in Bayamón Municipio.
Worst flood year on record here
1996
$1.6 million paid on 137 claims · Hurricane Hortense
215
flood insurance policies in force
$399
average yearly premium, $102 below the Puerto Rico average
$3.5M
paid on 522 claims since 1978
80%
of insured buildings in high-risk zones A and V
What a flood policy costs
Average yearly NFIP premium per policy, compared.
Bayamón Municipio
$399
Puerto Rico average
$501
US average
$1,271
Your own price depends on the building's flood risk, elevation and the coverage you choose.
Where insured buildings sit
Share of insured buildings by FEMA flood zone.
Zone V / VE0%
Coastal high-hazard areas with wave action. Flood insurance is required with a federally backed mortgage.
Zone A / AE80%
High-risk areas with a 1% chance of flooding each year. Insurance is required with a federally backed mortgage.
Zone X, B, C20%
Moderate to low risk. Insurance is optional, and policies are usually much cheaper.
The floods that cost the most
Named events ranked by NFIP claims paid in Bayamón Municipio.
Hurricane Hortense 1996
$1.6 million on 135 claims
Hurricane Maria 2017
$257 thousand on 13 claims
Flooding 1992
$103 thousand on 12 claims
Flooding 1987
$78 thousand on 9 claims
Flooding 1981
$64 thousand on 28 claims
Flood insurance by ZIP code
ZIP codes in Bayamón Municipio with at least 50 policies, by number of policies.
| ZIP | Policies | Avg premium | Claims since 1978 | Paid |
|---|---|---|---|---|
| 00959 | 110 | $426 | 168 | $1.3 million |
| 00956 | 62 | $350 | 83 | $457 thousand |
Common questions
How much does flood insurance cost in Bayamón Municipio?
The average NFIP flood insurance policy in Bayamón Municipio costs about $399 a year. The Puerto Rico average is $501. Your own premium depends on your building's flood risk, elevation and the coverage you choose.
How many homes have flood insurance in Bayamón Municipio?
There are about 215 National Flood Insurance Program policies in force in Bayamón Municipio, according to FEMA's latest policy data. Private flood policies are not included.
How often does Bayamón Municipio flood?
Since 1978, NFIP policyholders in Bayamón Municipio have filed 522 flood claims, with $3.5 million paid out. 17 of those claims were in the last 10 years.
Does homeowners insurance cover flooding?
No. Standard homeowners and renters insurance policies exclude flood damage. You need a separate flood policy from the NFIP or a private insurer.
How long until a new flood policy starts?
NFIP policies usually have a 30-day waiting period, so buying when a storm is already forecast is normally too late. Exceptions apply, for example when a lender requires the policy at closing.
How to get flood insurance
Most flood policies are sold through the National Flood Insurance Program by regular insurance agents. Ask the agent who handles your home or car insurance, or find one through FEMA's official site. Private flood insurers also sell policies in many areas and are worth comparing.