Estimated premiums for home and property flood insurance.
Data is not recorded and is used for estimation only.
Referenced by the Medicaid premium rate and the insurance industry standards for the year 2026.
Estimated Flood Insurance Premiums Calculator
The Estimated Flood Insurance Premiums Calculator estimates a planning estimate for the health or protection scenario entered from the personal measurements, coverage assumptions, period and other non-identifying values requested by the calculator. Replace the example values with your own estimated flood insurance premiums figures and recalculate after changing an assumption. Treat it as a planning estimate and independently verify the current rule or provider terms.
Flood insurance premium estimates for homes and properties based on risk level, area and property value. Instant results, free to use.
Fill in property information.
Estimation results
Estimated annual allowance.
baht
Maximum protection.
- baht
First-part damage (10%)
- baht
Calculation Details
| Building allowance. | - |
| Property allowance. | - |
| Risk level | - |
| Including estimated allowance | - |
What is flood insurance?
Flood insurance is a coverage that covers damage to buildings and property from floods, storms or wildfires. It is usually a rider contract that must be purchased separately from standard accident insurance.
Risk-based interest rate.
| Risk level | Interest rate (% per year) |
|---|---|
| Low (Down Area) | 0.08% |
| Medium | 0.15% |
| High (Lower) | 0.30% |
Level 1 (ground) higher risk, premiums increased 0.05%, generally deductible 10%
Frequently asked questions
What does flood insurance cover?
How does flood risk affect the allowance?
Should you get flood insurance if you've never had a flood?
English calculator guide
How to use the Estimated Flood Insurance Premiums Calculator
Use this page to test a specific estimated flood insurance premiums scenario. Enter your own values in the calculator above, review the units beside each field, and recalculate after changing an assumption. The result updates the estimated flood insurance premiums estimate instead of relying on a generic example.
- Build a baseline estimated flood insurance premiums case with figures that match your situation.
- Run a second estimated flood insurance premiums case after changing the rate, period, quantity or other key assumption.
- Record the difference between the two estimated flood insurance premiums results and the input responsible for it.
Inputs for the estimated flood insurance premiums estimate
For this estimated flood insurance premiums calculation, check the personal measurements, coverage assumptions, period and other non-identifying values requested by the calculator. The result is designed to show a planning estimate for the health or protection scenario entered, not a guaranteed provider price or official decision.
How the estimated flood insurance premiums result is calculated
The calculator multiplies the entered quantities by the relevant usage, price or frequency assumptions shown on the page. Reusing the same estimated flood insurance premiums inputs will produce the same estimate, which makes the page suitable for controlled scenario comparisons.
Checks for a estimated flood insurance premiums decision
Do not treat the result as a diagnosis, eligibility decision or binding insurance quote. For estimated flood insurance premiums, Use the estimate to compare scenarios. Actual premiums, cover, exclusions, excesses and acceptance are set by the insurer and can differ from this planning result. Because this calculation can affect an important financial, legal or health decision, independently verify the inputs and current rules before relying on the result.
- Language QA
- Terminology, numeric values and calculator controls checked
- Calculator scope
- Quantity and estimation
- Last English review
- 26 July 2026