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Flood Figures

ZIP 32189 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, 123 NFIP flood insurance policies are in force in ZIP 32189 (Satsuma, FL), with 118 flood claims recorded since 1978.

Policies & premiums

Policies in force
123
Median annual premium
$1,115
premium only
Median annual cost
$1,426
premium + fees & surcharges
Mean annual premium
$1,283
premium only
Policies in SFHA zones
90.2%
zones A, AE, AH, AO, V, VE
Building coverage in force
$18,173,600
Contents coverage in force
$3,634,000

"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 32189 by rated flood zone
Policies Share Share bar
AE 106 86.2%
X 12 9.8%
A 5 4.1%

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 32189 by occupancy type
Policies Share Share bar
Mobile homes 63 51.2%
Single-family homes 59 48.0%
Multi-unit buildings 1 0.8%

Claims history since 1978

Claims since 1978
118
Total paid
$1,961,161
Paid on buildings
$1,670,689
Paid on contents
$247,907
NFIP claims filed per year in ZIP 32189, 1978–2026. Rust bars mark the top loss years by dollars paid (also listed below).
Claims by year (data table)
YearClaimsPaid
1992 1 $1,151
1994 2 $8,675
1995 1 $21,161
1999 1 $24,044
2000 1 $1,432
2001 16 $247,978
2004 11 $75,571
2008 2 $43,057
2010 1 $0
2016 23 $497,920
2017 34 $444,443
2020 2 $0
2022 18 $488,748
2024 5 $106,980

Years with no recorded claims are omitted from the table.

Top loss years by dollars paid

Year Claims Paid
2016 23 $497,920
2022 18 $488,748
2017 34 $444,443

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