ZIP 32465 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, 174 NFIP flood insurance policies are in force in ZIP 32465 (Wewahitchka, FL), with 142 flood claims recorded since 1978.

Policies & premiums

Policies in force: 174
Median annual premium: $736; premium only
Median annual cost: $995; premium + fees & surcharges
Mean annual premium: $870; premium only
Policies in SFHA zones: 86.8%; zones A, AE, AH, AO, V, VE
Building coverage in force: $28,129,000
Contents coverage in force: $5,738,000

"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 32465 by rated flood zone
	Policies	Share
AE	102	58.6%
A	49	28.2%
X	23	13.2%

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 32465 by occupancy type
	Policies	Share
Single-family homes	102	58.6%
Mobile homes	71	40.8%
Non-residential buildings	1	0.6%

Claims history since 1978

Claims since 1978: 142
Total paid: $1,829,596
Paid on buildings: $1,526,095
Paid on contents: $205,267

NFIP claims filed per year in ZIP 32465, 1978–2026. Rust bars mark the top loss years by dollars paid (also listed below).

Claims by year (data table)

Year	Claims	Paid
1978	1	$325
1990	6	$31,353
1994	29	$401,268
1998	69	$1,050,944
2003	2	$0
2005	12	$203,609
2009	4	$14,548
2015	4	$77,134
2016	3	$13,800
2018	7	$12,418
2020	4	$22,940
2024	1	$1,258

Years with no recorded claims are omitted from the table.

Top loss years by dollars paid

Year	Claims	Paid
1998	69	$1,050,944
1994	29	$401,268
2005	12	$203,609

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