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Flood Figures

ZIP 32456 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, 2,271 NFIP flood insurance policies are in force in ZIP 32456 (Port Saint Joe, FL), with 2,304 flood claims recorded since 1978.

Policies & premiums

Policies in force
2,271
Median annual premium
$1,012
premium only
Median annual cost
$1,415
premium + fees & surcharges
Mean annual premium
$1,482
premium only
Policies in SFHA zones
70.5%
zones A, AE, AH, AO, V, VE
Building coverage in force
$549,872,000
Contents coverage in force
$145,990,000

"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 32456 by rated flood zone
Policies Share Share bar
AE 1,317 58.0%
X 738 32.5%
VE 159 7.0%
A 56 2.5%
V09 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 32456 by occupancy type
Policies Share Share bar
Single-family homes 1,771 78.0%
Multi-unit buildings 351 15.5%
Non-residential buildings 83 3.7%
Mobile homes 47 2.1%
Units in multi-unit buildings 19 0.8%

Claims history since 1978

Claims since 1978
2,304
Total paid
$188,824,358
Paid on buildings
$156,255,206
Paid on contents
$31,220,989
NFIP claims filed per year in ZIP 32456, 1978–2026. Rust bars mark the top loss years by dollars paid (also listed below).
Claims by year (data table)
YearClaimsPaid
1979 2 $415
1985 95 $1,223,690
1987 1 $1,454
1988 2 $1,903
1989 1 $0
1990 1 $25,730
1991 4 $2,244
1992 1 $1,141
1993 10 $146,501
1994 9 $214,332
1995 355 $6,642,186
1996 3 $38,139
1997 2 $5,017
1998 55 $469,506
1999 3 $7,224
2000 2 $0
2001 4 $30,821
2002 4 $29,133
2004 23 $1,014,380
2005 150 $1,941,189
2008 4 $367,117
2009 3 $86,480
2013 2 $33,868
2015 2 $33,208
2016 5 $13,424
2017 3 $62,521
2018 1,524 $175,933,132
2019 1 $0
2020 14 $93,015
2021 5 $60,839
2023 1 $50,118
2024 13 $295,630

Years with no recorded claims are omitted from the table.

Top loss years by dollars paid

Year Claims Paid
2018 1,524 $175,933,132
1995 355 $6,642,186
2005 150 $1,941,189

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