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Flood Figures

ZIP 32539 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, 149 NFIP flood insurance policies are in force in ZIP 32539 (Crestview, FL), with 50 flood claims recorded since 1978.

Policies & premiums

Policies in force
149
Median annual premium
$527
premium only
Median annual cost
$741
premium + fees & surcharges
Mean annual premium
$654
premium only
Policies in SFHA zones
25.5%
zones A, AE, AH, AO, V, VE
Building coverage in force
$33,488,000
Contents coverage in force
$11,999,000

"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 32539 by rated flood zone
Policies Share Share bar
X 111 74.5%
AE 36 24.2%
A 1 0.7%
VE 1 0.7%

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 32539 by occupancy type
Policies Share Share bar
Single-family homes 135 90.6%
Mobile homes 7 4.7%
Non-residential buildings 7 4.7%

Claims history since 1978

Claims since 1978
50
Total paid
$1,837,526
Paid on buildings
$1,364,330
Paid on contents
$443,195
NFIP claims filed per year in ZIP 32539, 1978–2026. Rust bars mark the top loss years by dollars paid (also listed below).
Claims by year (data table)
YearClaimsPaid
1998 16 $415,523
2008 1 $0
2009 13 $677,050
2010 2 $6,828
2011 1 $0
2014 9 $312,874
2017 1 $0
2020 7 $425,251

Years with no recorded claims are omitted from the table.

Top loss years by dollars paid

Year Claims Paid
2009 13 $677,050
2020 7 $425,251
1998 16 $415,523

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