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Flood Figures

ZIP 32233 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, 2,518 NFIP flood insurance policies are in force in ZIP 32233 (Atlantic Beach, FL), with 253 flood claims recorded since 1978.

Policies & premiums

Policies in force
2,518
Median annual premium
$858
premium only
Median annual cost
$1,086
premium + fees & surcharges
Mean annual premium
$1,028
premium only
Policies in SFHA zones
17.2%
zones A, AE, AH, AO, V, VE
Building coverage in force
$590,554,000
Contents coverage in force
$196,814,000

"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 32233 by rated flood zone
Policies Share Share bar
X 2,046 81.3%
AE 439 17.4%
A 15 0.6%
AO 12 0.5%
B 3 0.1%
C 2 0.1%
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 32233 by occupancy type
Policies Share Share bar
Single-family homes 1,912 75.9%
Multi-unit buildings 382 15.2%
Units in multi-unit buildings 104 4.1%
Non-residential buildings 83 3.3%
Mobile homes 37 1.5%

Claims history since 1978

Claims since 1978
253
Total paid
$2,255,585
Paid on buildings
$1,948,833
Paid on contents
$306,751
NFIP claims filed per year in ZIP 32233, 1978–2026. Rust bars mark the top loss years by dollars paid (also listed below).
Claims by year (data table)
YearClaimsPaid
1979 11 $8,050
1980 2 $6,200
1982 1 $0
1983 1 $0
1984 2 $0
1989 1 $3,340
1991 8 $22,946
1992 10 $12,220
1993 12 $10,228
1995 21 $40,119
1996 6 $569
1997 1 $0
1998 5 $557
1999 2 $0
2000 4 $10,030
2001 16 $44,247
2003 2 $2,069
2004 5 $20,704
2007 2 $8,153
2008 7 $12,711
2009 1 $5,620
2012 4 $8,478
2014 2 $0
2015 79 $1,552,103
2016 21 $105,871
2017 19 $245,313
2019 1 $0
2021 2 $2,745
2022 2 $72,081
2024 3 $61,232

Years with no recorded claims are omitted from the table.

Top loss years by dollars paid

Year Claims Paid
2015 79 $1,552,103
2017 19 $245,313
2016 21 $105,871

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