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Flood Figures

ZIP 32136 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, 2,268 NFIP flood insurance policies are in force in ZIP 32136 (Flagler Beach, FL), with 1,443 flood claims recorded since 1978.

Policies & premiums

Policies in force
2,268
Median annual premium
$915
premium only
Median annual cost
$1,233
premium + fees & surcharges
Mean annual premium
$1,408
premium only
Policies in SFHA zones
55.8%
zones A, AE, AH, AO, V, VE
Building coverage in force
$493,167,800
Contents coverage in force
$109,276,000

"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 32136 by rated flood zone
Policies Share Share bar
X 1,154 50.9%
AE 1,036 45.7%
VE 70 3.1%
A 3 0.1%
B 3 0.1%
C 1 0.0%
A05 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 32136 by occupancy type
Policies Share Share bar
Single-family homes 1,273 56.1%
Multi-unit buildings 758 33.4%
Units in multi-unit buildings 105 4.6%
Mobile homes 87 3.8%
Non-residential buildings 45 2.0%

Claims history since 1978

Claims since 1978
1,443
Total paid
$70,395,046
Paid on buildings
$58,866,457
Paid on contents
$11,301,866
NFIP claims filed per year in ZIP 32136, 1978–2026. Rust bars mark the top loss years by dollars paid (also listed below).
Claims by year (data table)
YearClaimsPaid
1982 1 $0
1987 1 $1,436
1989 1 $0
1991 1 $0
1994 17 $21,416
1995 4 $0
1996 1 $0
1998 1 $1,613
1999 22 $25,110
2001 26 $31,133
2002 1 $2,552
2003 2 $1,293
2004 119 $1,282,584
2005 3 $0
2007 4 $25,501
2008 3 $0
2009 14 $61,022
2011 1 $6,310
2012 1 $0
2013 2 $0
2014 2 $0
2016 102 $1,874,088
2017 636 $44,476,550
2018 2 $0
2019 3 $15,058
2020 2 $2,507
2021 1 $0
2022 421 $21,397,330
2023 2 $0
2024 45 $1,169,544
2026 2 $0

Years with no recorded claims are omitted from the table.

Top loss years by dollars paid

Year Claims Paid
2017 636 $44,476,550
2022 421 $21,397,330
2016 102 $1,874,088

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