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Flood Figures

ZIP 32541 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, 6,700 NFIP flood insurance policies are in force in ZIP 32541 (Destin, FL), with 3,595 flood claims recorded since 1978.

Policies & premiums

Policies in force
6,700
Median annual premium
$718
premium only
Median annual cost
$1,030
premium + fees & surcharges
Mean annual premium
$1,439
premium only
Policies in SFHA zones
60.2%
zones A, AE, AH, AO, V, VE
Building coverage in force
$1,467,952,000
Contents coverage in force
$150,446,000

"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 32541 by rated flood zone
Policies Share Share bar
VE 2,360 35.2%
X 2,322 34.7%
AE 1,991 29.7%
A10 24 0.4%
AO 2 0.0%
C 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 32541 by occupancy type
Policies Share Share bar
Multi-unit buildings 4,848 72.4%
Single-family homes 1,093 16.3%
Units in multi-unit buildings 624 9.3%
Non-residential buildings 135 2.0%

Claims history since 1978

Claims since 1978
3,595
Total paid
$101,555,385
Paid on buildings
$91,131,146
Paid on contents
$10,424,239
NFIP claims filed per year in ZIP 32541, 1978–2026. Rust bars mark the top loss years by dollars paid (also listed below).
Claims by year (data table)
YearClaimsPaid
1978 1 $2,134
1979 4 $1,906
1980 2 $485
1981 1 $2,608
1982 2 $0
1983 1 $0
1984 2 $761
1985 5 $1,748
1988 3 $0
1990 1 $1,048
1991 5 $2,722
1992 2 $0
1994 51 $20,070
1995 1,498 $56,350,173
1996 1 $0
1997 6 $0
1998 246 $1,320,892
1999 1 $0
2000 3 $731
2001 7 $6,302
2002 3 $2,956
2003 1 $1,348
2004 915 $26,361,218
2005 636 $13,855,056
2006 6 $15,254
2007 33 $60,399
2008 6 $46,517
2009 8 $103,319
2011 2 $26,350
2012 2 $0
2013 6 $262,848
2014 64 $2,248,869
2015 17 $242,617
2016 1 $0
2018 9 $2,488
2020 36 $614,565
2021 4 $0
2023 2 $0
2024 1 $0
2026 1 $0

Years with no recorded claims are omitted from the table.

Top loss years by dollars paid

Year Claims Paid
1995 1,498 $56,350,173
2004 915 $26,361,218
2005 636 $13,855,056

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