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Flood Figures

ZIP 32137 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, 5,865 NFIP flood insurance policies are in force in ZIP 32137 (Palm Coast, FL), with 755 flood claims recorded since 1978.

Policies & premiums

Policies in force
5,865
Median annual premium
$858
premium only
Median annual cost
$1,086
premium + fees & surcharges
Mean annual premium
$1,108
premium only
Policies in SFHA zones
42.5%
zones A, AE, AH, AO, V, VE
Building coverage in force
$1,420,762,000
Contents coverage in force
$365,025,000

"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 32137 by rated flood zone
Policies Share Share bar
X 3,712 63.3%
AE 1,962 33.5%
C 78 1.3%
VE 36 0.6%
A 30 0.5%
B 30 0.5%
AO 16 0.3%
AOB 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 32137 by occupancy type
Policies Share Share bar
Single-family homes 4,123 70.3%
Multi-unit buildings 1,505 25.7%
Units in multi-unit buildings 166 2.8%
Non-residential buildings 62 1.1%
Mobile homes 9 0.2%

Claims history since 1978

Claims since 1978
755
Total paid
$16,025,582
Paid on buildings
$13,807,099
Paid on contents
$2,218,483
NFIP claims filed per year in ZIP 32137, 1978–2026. Rust bars mark the top loss years by dollars paid (also listed below).
Claims by year (data table)
YearClaimsPaid
1982 2 $0
1987 1 $0
1989 2 $0
1991 1 $0
1992 2 $0
1994 15 $10,908
1995 3 $1,121
1996 2 $0
1997 1 $0
1999 11 $4,139
2000 2 $723
2001 24 $44,484
2004 28 $57,527
2005 2 $256
2007 4 $0
2008 5 $746
2009 18 $106,449
2010 2 $0
2011 2 $0
2012 2 $0
2013 2 $0
2014 8 $10,336
2016 369 $11,079,427
2017 137 $2,188,716
2018 2 $0
2020 2 $0
2021 2 $0
2022 90 $2,197,366
2024 14 $323,385

Years with no recorded claims are omitted from the table.

Top loss years by dollars paid

Year Claims Paid
2016 369 $11,079,427
2022 90 $2,197,366
2017 137 $2,188,716

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