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Flood Figures

ZIP 32176 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, 3,255 NFIP flood insurance policies are in force in ZIP 32176 (Ormond Beach, FL), with 592 flood claims recorded since 1978.

Policies & premiums

Policies in force
3,255
Median annual premium
$855
premium only
Median annual cost
$1,082
premium + fees & surcharges
Mean annual premium
$1,085
premium only
Policies in SFHA zones
9.8%
zones A, AE, AH, AO, V, VE
Building coverage in force
$728,155,000
Contents coverage in force
$106,589,000

"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 32176 by rated flood zone
Policies Share Share bar
X 2,376 73.0%
VE 839 25.8%
AE 40 1.2%

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 32176 by occupancy type
Policies Share Share bar
Multi-unit buildings 1,999 61.4%
Single-family homes 1,055 32.4%
Units in multi-unit buildings 147 4.5%
Non-residential buildings 54 1.7%

Claims history since 1978

Claims since 1978
592
Total paid
$10,587,653
Paid on buildings
$8,754,008
Paid on contents
$1,803,645
NFIP claims filed per year in ZIP 32176, 1978–2026. Rust bars mark the top loss years by dollars paid (also listed below).
Claims by year (data table)
YearClaimsPaid
1979 10 $12,177
1980 1 $0
1981 1 $0
1982 5 $1,417
1983 1 $0
1984 8 $0
1985 4 $2,930
1986 2 $0
1988 3 $0
1989 1 $0
1990 2 $0
1991 7 $2,872
1992 6 $15,007
1993 2 $0
1994 96 $374,236
1995 2 $4,674
1996 9 $489
1997 2 $1,217
1998 1 $16,818
1999 29 $29,389
2001 15 $40,302
2002 2 $4,962
2003 5 $31,025
2004 84 $290,348
2005 2 $0
2006 1 $20,584
2008 5 $6,306
2009 59 $483,715
2010 1 $0
2011 1 $0
2012 1 $0
2013 2 $0
2014 1 $0
2015 1 $29,678
2016 47 $566,317
2017 45 $3,715,340
2019 2 $52,825
2020 2 $115,629
2021 4 $21,475
2022 56 $1,517,332
2024 63 $3,230,590
2025 1 $0

Years with no recorded claims are omitted from the table.

Top loss years by dollars paid

Year Claims Paid
2017 45 $3,715,340
2024 63 $3,230,590
2022 56 $1,517,332

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