Changes made by the Federal Emergency Management Agency (FEMA) in its flood insurance pricing structures will soon have area homeowners digging deeper into their wallets. Taylor Allen waded through the particulars for AXIOS Philadelphia.

The news comes as Philadelphia and surrounding counties continue to recover from the flooding caused by Hurricane Ida.

FEMA’s new pricing system, which went into effect on October 1, means that a substantial part of the region’s policyholders will have to pay an extra $1-$10 premium per month. Subsets of insured homeowner will see even higher increases of up to $100 per month.

The program has historically undercharged in certain areas, with more than 4 million properties natiion-wide paying too little for insurance.

The suburban breakdown is as follows:

The news is especially worrisome as Pennsylvania is already the fourth most expensive state in the country for flood insurance. Protection against deluges of rainwater cost Keystone State residents $1,326 a year on average, well above the national median of $958.

The new FEMA cost structure incorporates factors like flood frequency, flood types, and distance to water when determining the risk.

Read more about the flood insurance increases at AXIOS Philadelphia.