Skip to content
Flood Figures

ZIP 32547 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, 1,125 NFIP flood insurance policies are in force in ZIP 32547 (Fort Walton Beach, FL), with 612 flood claims recorded since 1978.

Policies & premiums

Policies in force
1,125
Median annual premium
$677
premium only
Median annual cost
$921
premium + fees & surcharges
Mean annual premium
$940
premium only
Policies in SFHA zones
33.3%
zones A, AE, AH, AO, V, VE
Building coverage in force
$266,755,000
Contents coverage in force
$89,399,000

"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 32547 by rated flood zone
Policies Share Share bar
X 704 62.6%
AE 390 34.7%
VE 30 2.7%
A 1 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 32547 by occupancy type
Policies Share Share bar
Single-family homes 953 84.7%
Multi-unit buildings 120 10.7%
Non-residential buildings 34 3.0%
Units in multi-unit buildings 18 1.6%

Claims history since 1978

Claims since 1978
612
Total paid
$15,481,144
Paid on buildings
$12,281,619
Paid on contents
$3,049,524
NFIP claims filed per year in ZIP 32547, 1978–2026. Rust bars mark the top loss years by dollars paid (also listed below).
Claims by year (data table)
YearClaimsPaid
1979 3 $520
1982 2 $1,771
1984 2 $84
1985 4 $2,530
1987 1 $2,874
1988 1 $692
1990 1 $2,160
1991 5 $5,913
1994 12 $36,332
1995 124 $2,985,948
1998 55 $377,207
1999 1 $0
2000 1 $0
2001 1 $0
2002 4 $17,820
2004 140 $4,923,475
2005 61 $1,134,169
2007 2 $6,375
2009 3 $0
2010 2 $1,956
2013 4 $31,023
2014 103 $3,428,408
2015 2 $7,755
2016 3 $24,048
2017 10 $176,279
2018 1 $4,315
2019 1 $0
2020 48 $1,876,995
2021 10 $239,015
2022 1 $0
2024 4 $193,481

Years with no recorded claims are omitted from the table.

Top loss years by dollars paid

Year Claims Paid
2004 140 $4,923,475
2014 103 $3,428,408
1995 124 $2,985,948

Related pages