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Flood Figures

ZIP 32114 flood insurance data

Computed from OpenFEMA FIMA NFIP Redacted Policies (v2) and OpenFEMA FIMA NFIP Redacted Claims (v2). Policy data as of June 1, 2026; claims recorded through June 1, 2026.

As of June 1, 2026, 2,515 NFIP flood insurance policies are in force in ZIP 32114 (Daytona Beach, FL), with 1,548 flood claims recorded since 1978.

Policies & premiums

Policies in force
2,515
Median annual premium
$659
premium only
Median annual cost
$957
premium + fees & surcharges
Mean annual premium
$1,085
premium only
Policies in SFHA zones
76.8%
zones A, AE, AH, AO, V, VE
Building coverage in force
$567,906,200
Contents coverage in force
$136,646,000

"Premium" is the policy premium alone; "cost" adds federal fees and surcharges. In-force counts are an approximation derived from policy effective, termination, and cancellation dates — see methodology.

Flood zones of insured properties

NFIP policies in ZIP 32114 by rated flood zone
Policies Share Share bar
AE 1,169 46.5%
X 676 26.9%
A 558 22.2%
AH 90 3.6%
AHB 19 0.8%
B 2 0.1%
VE 1 0.0%

Distribution of insured properties by the flood zone used in their policy rating — not a map of land area. Numbered zones (A1–A30, V1–V30) and Zones B and C appear on older FEMA map panels; B and C correspond to today's shaded and unshaded Zone X.

What the policies cover

NFIP policies in ZIP 32114 by occupancy type
Policies Share Share bar
Single-family homes 1,258 50.0%
Multi-unit buildings 864 34.4%
Non-residential buildings 317 12.6%
Units in multi-unit buildings 76 3.0%

Claims history since 1978

Claims since 1978
1,548
Total paid
$103,593,197
Paid on buildings
$91,175,268
Paid on contents
$12,375,776
NFIP claims filed per year in ZIP 32114, 1978–2026. Rust bars mark the top loss years by dollars paid (also listed below).
Claims by year (data table)
YearClaimsPaid
1979 4 $24,183
1989 3 $3,544
1991 1 $392
1992 3 $56,271
1994 28 $431,701
1995 10 $95,924
1999 3 $0
2000 6 $29,045
2001 7 $39,140
2003 2 $1,346
2004 80 $1,442,056
2008 4 $16,864
2009 122 $4,431,626
2011 1 $10,970
2012 2 $11,755
2013 5 $47,363
2014 14 $66,657
2016 30 $276,763
2017 221 $15,730,648
2019 1 $4,390
2020 2 $1,886
2021 6 $134,270
2022 563 $46,452,388
2023 5 $43,403
2024 423 $34,240,612
2025 2 $0

Years with no recorded claims are omitted from the table.

Top loss years by dollars paid

Year Claims Paid
2022 563 $46,452,388
2024 423 $34,240,612
2017 221 $15,730,648

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