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Flood Figures

ZIP 32507 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, 7,002 NFIP flood insurance policies are in force in ZIP 32507 (Pensacola, FL), with 5,669 flood claims recorded since 1978.

Policies & premiums

Policies in force
7,002
Median annual premium
$851
premium only
Median annual cost
$1,086
premium + fees & surcharges
Mean annual premium
$1,218
premium only
Policies in SFHA zones
67.0%
zones A, AE, AH, AO, V, VE
Building coverage in force
$1,610,897,000
Contents coverage in force
$271,080,000

"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 32507 by rated flood zone
Policies Share Share bar
AE 4,041 57.7%
X 1,898 27.1%
VE 878 12.5%
AO 164 2.3%
AOB 9 0.1%
A 5 0.1%
A11 3 0.0%
B 1 0.0%
C 1 0.0%
A13 1 0.0%
AH 1 0.0%

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 32507 by occupancy type
Policies Share Share bar
Multi-unit buildings 3,648 52.1%
Single-family homes 2,629 37.5%
Units in multi-unit buildings 501 7.2%
Non-residential buildings 158 2.3%
Mobile homes 66 0.9%

Claims history since 1978

Claims since 1978
5,669
Total paid
$296,663,442
Paid on buildings
$247,586,757
Paid on contents
$46,333,450
NFIP claims filed per year in ZIP 32507, 1978–2026. Rust bars mark the top loss years by dollars paid (also listed below).
Claims by year (data table)
YearClaimsPaid
1978 3 $250
1979 270 $3,399,065
1980 4 $4,095
1981 1 $0
1982 1 $0
1983 6 $1,316
1984 2 $2,559
1985 38 $13,503
1986 2 $33,147
1987 6 $3,291
1989 2 $0
1990 3 $14,022
1991 3 $1,170
1992 2 $0
1993 3 $3,696
1994 5 $5,564
1995 520 $4,617,859
1996 4 $3,139
1997 7 $4,411
1998 573 $2,326,014
1999 3 $0
2000 4 $8,422
2002 25 $182,220
2003 6 $1,782
2004 2,331 $225,052,034
2005 102 $1,341,279
2006 1 $0
2007 6 $35,180
2008 5 $23,952
2009 2 $3,395
2011 1 $0
2012 113 $3,308,124
2013 3 $579
2014 353 $11,073,765
2015 2 $0
2016 3 $0
2017 8 $40,283
2018 2 $0
2020 1,203 $42,330,905
2021 7 $51,327
2023 32 $2,777,094
2024 2 $0

Years with no recorded claims are omitted from the table.

Top loss years by dollars paid

Year Claims Paid
2004 2,331 $225,052,034
2020 1,203 $42,330,905
2014 353 $11,073,765

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