Florida flood insurance by ZIP code

Check my flood zone free

What do NFIP policyholders pay in my ZIP code?

The table lists every Florida ZIP code with at least 50 NFIP policies. That is 825 ZIP codes. Type your ZIP code or your county to find it. You can also sort the table by county.

* In some ZIP codes, FEMA counts each condo unit in a building as its own policy. That pulls the average far below what a house pays. We show the policy count and the claims for those ZIP codes, but not the average. That is 249 of 825 ZIP codes today, mostly condo towers on the coast.

What does each column in the table mean?

• NFIP policies is the number of National Flood Insurance Program policies in force in the ZIP code in July 2026. It counts policies, not homes.
• Average premium paid is what those policies cost on average for a year. It is not a quote and not your price.
• Share in high-risk zones is the share of policies on buildings in a flood zone that starts with A or V.
• NFIP claims and claims paid cover flood losses from July 2016 to July 2026. Claims paid adds up what the NFIP paid for the building, its contents and required rebuilding work.
• A ZIP code that crosses a county line is listed under the county with the most policies.
• ZIP codes with fewer than 50 policies are left out. A small count can swing on a few homes.

In the ZIP codes with an average, the lowest was $281 in 33437 (Palm Beach County). The highest was $3,275 in 34216 (Manatee County).

Why can my price differ from my ZIP's average?

Same flood zone, very different prices. Your flood zone decides whether your lender requires flood insurance. Your NFIP price is figured from your own building and its spot:

• How high the first floor sits above the ground next to it.
• What it would cost to rebuild the home, and how much coverage you buy.
• How often that spot floods, and any past claims at the address.
• Your deductible, whether you live there, and your community's CRS discount.

So a home on high ground with a raised first floor can pay much less than the ZIP average. A low home near the water can pay much more. Our guide to what goes into a Florida flood insurance price explains each one, with the county averages.

Will shopping around change my NFIP price?

Not between NFIP companies. Every company that sells NFIP policies must use the same NFIP rules, so the same home gets the same NFIP price from each of them. A private flood policy is priced by its own company. Comparing NFIP with private is where prices can differ, and either one can come out lower for a given home.

What should I do next?

1. Find your flood zone. Check my address to see your zone, whether a lender will require flood insurance, and your community's CRS discount.
2. Ask for the elevation certificate. If the seller has one, it shows how high the first floor sits. It can only lower an NFIP price, never raise it.
3. Ask the seller about past flood claims. Claims stay with the address, not the owner.
4. Compare NFIP and private quotes for the home itself. A licensed, independent insurance agent can do this for you. Call or text (727) 516-0111.

Questions Florida buyers ask about flood insurance by ZIP code

What is the average cost of flood insurance in my Florida ZIP code?

Find your ZIP code in the table above. In the 576 Florida ZIP codes where FEMA's numbers reflect houses, the average NFIP premium paid ran from $281 to $3,275 a year (FEMA policy data, July 2026). Your own price depends on your building, not just your ZIP code.

Why does my ZIP code show no average?

In ZIP codes with many condo buildings, FEMA counts each condo unit as a policy. One building's premium gets spread over every unit, so the average comes out far below what a house pays. We show the policy count and claims for those ZIP codes, but leave the average out.

Does my flood zone set my price?

No. Your flood zone decides whether a federally regulated lender requires flood insurance. Your NFIP price is figured from your building: how high the first floor sits, what it would cost to rebuild, and how often that spot floods. That is why homes in the same zone can pay very different prices.

Why is my ZIP code not in the table?

The table only lists ZIP codes with at least 50 NFIP policies. With fewer policies, an average can swing on a few homes, so we leave it out. You can still check my address for your flood zone and your county's numbers.

How many flood claims has my ZIP code had?

The last two columns show the NFIP flood claims in each ZIP code from July 2016 to July 2026, and the dollars paid. Claims at a single home are not public, so ask the seller about the home's own flood history before you buy.

Facts last checked November 5, 2026. Every figure comes from the federal or state source listed above.