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Flood Figures

ZIP 32502 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, 747 NFIP flood insurance policies are in force in ZIP 32502 (Pensacola, FL), with 503 flood claims recorded since 1978.

Policies & premiums

Policies in force
747
Median annual premium
$1,188
premium only
Median annual cost
$1,550
premium + fees & surcharges
Mean annual premium
$2,065
premium only
Policies in SFHA zones
52.7%
zones A, AE, AH, AO, V, VE
Building coverage in force
$200,766,000
Contents coverage in force
$71,549,000

"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 32502 by rated flood zone
Policies Share Share bar
AE 363 48.6%
X 343 45.9%
VE 41 5.5%

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 32502 by occupancy type
Policies Share Share bar
Single-family homes 294 39.4%
Non-residential buildings 283 37.9%
Multi-unit buildings 143 19.1%
Units in multi-unit buildings 27 3.6%

Claims history since 1978

Claims since 1978
503
Total paid
$31,197,779
Paid on buildings
$24,293,976
Paid on contents
$6,892,665
NFIP claims filed per year in ZIP 32502, 1978–2026. Rust bars mark the top loss years by dollars paid (also listed below).
Claims by year (data table)
YearClaimsPaid
1979 24 $96,779
1982 2 $1,250
1985 6 $0
1987 3 $10,884
1995 9 $41,653
1998 24 $140,353
2000 1 $0
2002 2 $0
2004 151 $14,408,077
2005 9 $106,237
2007 1 $0
2008 1 $18,099
2009 4 $39,558
2012 12 $307,952
2014 148 $10,887,752
2015 1 $0
2020 82 $4,277,735
2021 1 $20,409
2023 17 $841,041
2024 5 $0

Years with no recorded claims are omitted from the table.

Top loss years by dollars paid

Year Claims Paid
2004 151 $14,408,077
2014 148 $10,887,752
2020 82 $4,277,735

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