ZIP 32163 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, 935 NFIP flood insurance policies are in force in ZIP 32163 (The Villages, FL), with 4 flood claims recorded since 1978.

Policies & premiums

Policies in force: 935
Median annual premium: $424; premium only
Median annual cost: $584; premium + fees & surcharges
Mean annual premium: $466; premium only
Policies in SFHA zones: 4.8%; zones A, AE, AH, AO, V, VE
Building coverage in force: $221,366,000
Contents coverage in force: $86,738,000

"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 32163 by rated flood zone
	Policies	Share
X	887	94.9%
A	24	2.6%
AE	21	2.2%
C	3	0.3%

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 32163 by occupancy type
	Policies	Share	Share bar
Single-family homes	932	99.7%
Non-residential buildings	3	0.3%

Claims history since 1978

Claims since 1978: 4
Total paid: $7,698
Paid on buildings: $4,253
Paid on contents: $3,445

NFIP claims filed per year in ZIP 32163, 1978–2026. Rust bars mark the top loss years by dollars paid (also listed below).

Claims by year (data table)

Year	Claims	Paid
2017	3	$7,698
2022	1	$0

Years with no recorded claims are omitted from the table.

Top loss years by dollars paid

Year	Claims	Paid
2017	3	$7,698
2022	1	$0

State page: Flood insurance in Florida
Other ZIPs in The Villages: 32162
Tool: look up another ZIP
Reading: What is the NFIP? · How these figures are computed