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Flood Figures

ZIP 32169 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, 8,054 NFIP flood insurance policies are in force in ZIP 32169 (New Smyrna Beach, FL), with 839 flood claims recorded since 1978.

Policies & premiums

Policies in force
8,054
Median annual premium
$870
premium only
Median annual cost
$1,236
premium + fees & surcharges
Mean annual premium
$1,497
premium only
Policies in SFHA zones
40.6%
zones A, AE, AH, AO, V, VE
Building coverage in force
$1,737,140,000
Contents coverage in force
$181,387,000

"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 32169 by rated flood zone
Policies Share Share bar
X 4,329 53.7%
AE 2,124 26.4%
VE 1,577 19.6%
A07 17 0.2%
B 7 0.1%

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 32169 by occupancy type
Policies Share Share bar
Multi-unit buildings 5,790 71.9%
Single-family homes 1,722 21.4%
Units in multi-unit buildings 421 5.2%
Non-residential buildings 120 1.5%
Mobile homes 1 0.0%

Claims history since 1978

Claims since 1978
839
Total paid
$20,465,675
Paid on buildings
$17,772,356
Paid on contents
$2,663,319
NFIP claims filed per year in ZIP 32169, 1978–2026. Rust bars mark the top loss years by dollars paid (also listed below).
Claims by year (data table)
YearClaimsPaid
1978 1 $0
1979 5 $0
1981 4 $2,094
1982 9 $1,939
1984 12 $5,596
1985 3 $792
1986 2 $0
1988 2 $0
1989 5 $2,463
1991 1 $0
1992 2 $0
1994 12 $34,837
1995 5 $5,540
1996 3 $0
1997 3 $0
1998 2 $0
1999 70 $55,285
2000 3 $0
2001 31 $292,249
2003 2 $0
2004 126 $1,808,386
2005 6 $111,953
2007 3 $6,537
2008 9 $33,138
2009 33 $283,837
2011 3 $0
2012 1 $2,445
2013 2 $0
2014 7 $46,218
2016 73 $725,439
2017 114 $5,998,060
2020 4 $0
2021 2 $9,309
2022 248 $10,369,227
2023 1 $0
2024 19 $390,702
2025 11 $279,630

Years with no recorded claims are omitted from the table.

Top loss years by dollars paid

Year Claims Paid
2022 248 $10,369,227
2017 114 $5,998,060
2004 126 $1,808,386

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