ZIP 32425 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, 83 NFIP flood insurance policies are in force in ZIP 32425 (Bonifay, FL), with 57 flood claims recorded since 1978.

Policies & premiums

Policies in force: 83
Median annual premium: $791; premium only
Median annual cost: $1,068; premium + fees & surcharges
Mean annual premium: $918; premium only
Policies in SFHA zones: 79.5%; zones A, AE, AH, AO, V, VE
Building coverage in force: $14,671,000
Contents coverage in force: $3,612,000

"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 32425 by rated flood zone
	Policies	Share
A	38	45.8%
AE	28	33.7%
X	17	20.5%

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 32425 by occupancy type
	Policies	Share
Single-family homes	56	67.5%
Mobile homes	22	26.5%
Non-residential buildings	5	6.0%

Claims history since 1978

Claims since 1978: 57
Total paid: $1,438,722
Paid on buildings: $1,170,357
Paid on contents: $253,857

NFIP claims filed per year in ZIP 32425, 1978–2026. Rust bars mark the top loss years by dollars paid (also listed below).

Claims by year (data table)

Year	Claims	Paid
1994	10	$178,799
1995	1	$1,667
1996	4	$9,684
1998	10	$87,558
2001	1	$0
2004	1	$30,056
2005	2	$13,015
2009	5	$104,216
2013	1	$0
2015	1	$45
2018	1	$49,761
2020	19	$954,212
2021	1	$9,707

Years with no recorded claims are omitted from the table.

Top loss years by dollars paid

Year	Claims	Paid
2020	19	$954,212
1994	10	$178,799
2009	5	$104,216

State page: Flood insurance in Florida
Tool: look up another ZIP
Reading: What is the NFIP? · How these figures are computed