ZIP 32505 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, 289 NFIP flood insurance policies are in force in ZIP 32505 (Pensacola, FL), with 291 flood claims recorded since 1978.

Policies & premiums

Policies in force: 289
Median annual premium: $479; premium only
Median annual cost: $656; premium + fees & surcharges
Mean annual premium: $928; premium only
Policies in SFHA zones: 18.6%; zones A, AE, AH, AO, V, VE
Building coverage in force: $63,630,000
Contents coverage in force: $21,442,000

"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 32505 by rated flood zone
	Policies	Share
X	184	63.7%
AE	101	34.9%
A	4	1.4%

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 32505 by occupancy type
	Policies	Share
Single-family homes	183	63.3%
Multi-unit buildings	69	23.9%
Non-residential buildings	37	12.8%

Claims history since 1978

Claims since 1978: 291
Total paid: $14,480,093
Paid on buildings: $11,343,124
Paid on contents: $3,032,969

NFIP claims filed per year in ZIP 32505, 1978–2026. Rust bars mark the top loss years by dollars paid (also listed below).

Claims by year (data table)

Year	Claims	Paid
1978	4	$14,729
1979	26	$180,525
1980	1	$1,194
1981	1	$0
1983	1	$628
1984	2	$30,945
1985	1	$1,182
1986	1	$1,749
1987	7	$185,529
1990	1	$3,936
1991	1	$0
1995	15	$364,308
1998	23	$723,059
2002	4	$26,775
2004	33	$3,062,297
2005	15	$189,293
2007	1	$3,577
2009	2	$10,899
2011	1	$0
2012	15	$1,664,227
2014	67	$4,669,432
2015	1	$3,186
2016	2	$2,021
2017	1	$0
2020	55	$3,096,297
2021	2	$0
2022	2	$5,552
2023	6	$238,754

Years with no recorded claims are omitted from the table.

Top loss years by dollars paid

Year	Claims	Paid
2014	67	$4,669,432
2020	55	$3,096,297
2004	33	$3,062,297

City page: Flood insurance in Pensacola, FL
State page: Flood insurance in Florida
Other ZIPs in Pensacola: 32507 , 32506 , 32503 , 32502 , 32526
Tool: look up another ZIP
Reading: What is the NFIP? · How these figures are computed