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Flood Figures

ZIP 32118 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, 7,849 NFIP flood insurance policies are in force in ZIP 32118 (Daytona Beach, FL), with 606 flood claims recorded since 1978.

Policies & premiums

Policies in force
7,849
Median annual premium
$857
premium only
Median annual cost
$1,094
premium + fees & surcharges
Mean annual premium
$1,915
premium only
Policies in SFHA zones
7.9%
zones A, AE, AH, AO, V, VE
Building coverage in force
$1,578,546,000
Contents coverage in force
$83,333,000

"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 32118 by rated flood zone
Policies Share Share bar
X 7,010 89.3%
VE 809 10.3%
AE 30 0.4%

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 32118 by occupancy type
Policies Share Share bar
Multi-unit buildings 7,109 90.6%
Single-family homes 443 5.6%
Non-residential buildings 150 1.9%
Units in multi-unit buildings 147 1.9%

Claims history since 1978

Claims since 1978
606
Total paid
$15,258,352
Paid on buildings
$13,894,001
Paid on contents
$1,364,352
NFIP claims filed per year in ZIP 32118, 1978–2026. Rust bars mark the top loss years by dollars paid (also listed below).
Claims by year (data table)
YearClaimsPaid
1978 1 $263
1979 2 $448
1980 3 $3,121
1981 3 $880
1982 8 $12,524
1983 3 $1,598
1984 5 $0
1985 1 $0
1986 3 $2,118
1987 1 $0
1988 1 $0
1989 5 $0
1990 1 $19,526
1991 12 $7,087
1992 9 $45,971
1993 2 $33,981
1994 55 $251,808
1995 6 $12,339
1996 5 $0
1997 1 $1,365
1998 2 $605
1999 35 $136,520
2001 4 $0
2003 1 $0
2004 48 $875,734
2008 3 $18,834
2009 39 $1,104,162
2011 5 $12,749
2012 1 $0
2013 2 $0
2014 3 $8,285
2016 63 $2,030,356
2017 25 $1,219,048
2018 3 $0
2019 1 $23,263
2022 188 $7,719,445
2023 2 $10,298
2024 54 $1,706,023

Years with no recorded claims are omitted from the table.

Top loss years by dollars paid

Year Claims Paid
2022 188 $7,719,445
2016 63 $2,030,356
2024 54 $1,706,023

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