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Flood Figures

ZIP 32168 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, 3,627 NFIP flood insurance policies are in force in ZIP 32168 (New Smyrna Beach, FL), with 1,474 flood claims recorded since 1978.

Policies & premiums

Policies in force
3,627
Median annual premium
$705
premium only
Median annual cost
$934
premium + fees & surcharges
Mean annual premium
$815
premium only
Policies in SFHA zones
49.0%
zones A, AE, AH, AO, V, VE
Building coverage in force
$836,836,400
Contents coverage in force
$263,233,000

"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 32168 by rated flood zone
Policies Share Share bar
X 1,896 52.3%
AE 1,416 39.0%
A 307 8.5%
B 7 0.2%
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 32168 by occupancy type
Policies Share Share bar
Single-family homes 3,049 84.1%
Multi-unit buildings 212 5.8%
Mobile homes 164 4.5%
Non-residential buildings 141 3.9%
Units in multi-unit buildings 61 1.7%

Claims history since 1978

Claims since 1978
1,474
Total paid
$76,024,724
Paid on buildings
$63,855,200
Paid on contents
$12,072,877
NFIP claims filed per year in ZIP 32168, 1978–2026. Rust bars mark the top loss years by dollars paid (also listed below).
Claims by year (data table)
YearClaimsPaid
1982 5 $28,987
1984 2 $1,235
1985 5 $18,958
1987 1 $0
1989 1 $2,026
1991 5 $15,662
1994 51 $206,472
1995 6 $56,528
1996 5 $10,042
1999 31 $133,975
2000 14 $0
2001 29 $58,625
2002 1 $0
2003 8 $25,663
2004 109 $1,665,341
2005 3 $10,078
2007 1 $0
2008 19 $199,613
2009 27 $93,444
2010 1 $0
2011 3 $0
2012 1 $0
2013 1 $0
2014 24 $260,526
2016 64 $1,134,547
2017 55 $1,625,134
2020 1 $4,617
2021 3 $0
2022 780 $60,038,069
2023 2 $68,636
2024 214 $10,230,230
2025 2 $136,315

Years with no recorded claims are omitted from the table.

Top loss years by dollars paid

Year Claims Paid
2022 780 $60,038,069
2024 214 $10,230,230
2004 109 $1,665,341

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