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Flood Figures

ZIP 32506 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, 1,629 NFIP flood insurance policies are in force in ZIP 32506 (Pensacola, FL), with 1,646 flood claims recorded since 1978.

Policies & premiums

Policies in force
1,629
Median annual premium
$574
premium only
Median annual cost
$798
premium + fees & surcharges
Mean annual premium
$714
premium only
Policies in SFHA zones
45.2%
zones A, AE, AH, AO, V, VE
Building coverage in force
$374,965,000
Contents coverage in force
$121,895,000

"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 32506 by rated flood zone
Policies Share Share bar
X 893 54.8%
A 389 23.9%
AE 321 19.7%
AH 16 1.0%
VE 8 0.5%
AHB 2 0.1%

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 32506 by occupancy type
Policies Share Share bar
Single-family homes 1,533 94.1%
Multi-unit buildings 33 2.0%
Mobile homes 30 1.8%
Non-residential buildings 22 1.4%
Units in multi-unit buildings 11 0.7%

Claims history since 1978

Claims since 1978
1,646
Total paid
$57,588,836
Paid on buildings
$47,439,456
Paid on contents
$9,932,514
NFIP claims filed per year in ZIP 32506, 1978–2026. Rust bars mark the top loss years by dollars paid (also listed below).
Claims by year (data table)
YearClaimsPaid
1978 3 $6,403
1979 33 $184,323
1980 2 $0
1983 1 $0
1984 1 $0
1985 1 $4,233
1986 5 $5,052
1987 7 $27,299
1989 2 $0
1990 2 $10,073
1991 2 $0
1992 1 $3,153
1995 47 $387,330
1996 4 $56,714
1998 93 $1,547,441
2000 1 $0
2002 13 $38,203
2003 2 $2,657
2004 159 $7,568,000
2005 42 $810,840
2007 11 $61,742
2008 1 $0
2010 1 $2,443
2011 1 $0
2012 192 $3,646,789
2013 1 $0
2014 551 $22,237,775
2015 2 $1,503
2016 4 $55,944
2017 2 $5,307
2018 1 $1,066
2019 2 $0
2020 409 $19,921,880
2021 6 $65,067
2022 3 $19,498
2023 36 $918,102
2024 2 $0

Years with no recorded claims are omitted from the table.

Top loss years by dollars paid

Year Claims Paid
2014 551 $22,237,775
2020 409 $19,921,880
2004 159 $7,568,000

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