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Flood Figures

ZIP 32501 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, 227 NFIP flood insurance policies are in force in ZIP 32501 (Pensacola, FL), with 227 flood claims recorded since 1978.

Policies & premiums

Policies in force
227
Median annual premium
$426
premium only
Median annual cost
$618
premium + fees & surcharges
Mean annual premium
$632
premium only
Policies in SFHA zones
3.1%
zones A, AE, AH, AO, V, VE
Building coverage in force
$51,753,000
Contents coverage in force
$19,281,000

"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 32501 by rated flood zone
Policies Share Share bar
X 220 96.9%
AE 7 3.1%

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 32501 by occupancy type
Policies Share Share bar
Single-family homes 176 77.5%
Non-residential buildings 35 15.4%
Multi-unit buildings 15 6.6%
Units in multi-unit buildings 1 0.4%

Claims history since 1978

Claims since 1978
227
Total paid
$10,349,865
Paid on buildings
$7,694,730
Paid on contents
$2,655,135
NFIP claims filed per year in ZIP 32501, 1978–2026. Rust bars mark the top loss years by dollars paid (also listed below).
Claims by year (data table)
YearClaimsPaid
1978 3 $1,450
1979 25 $554,634
1983 2 $1,588
1985 2 $210
1987 2 $11,890
1993 1 $3,688
1995 16 $578,584
1996 1 $0
1998 26 $530,927
2001 3 $72,100
2004 31 $1,554,002
2005 8 $673,516
2006 1 $0
2007 3 $174,879
2009 2 $0
2012 22 $1,666,632
2014 44 $3,344,745
2018 1 $0
2020 27 $896,092
2023 7 $284,929

Years with no recorded claims are omitted from the table.

Top loss years by dollars paid

Year Claims Paid
2014 44 $3,344,745
2012 22 $1,666,632
2004 31 $1,554,002

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