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Flood Figures

ZIP 32548 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, 4,842 NFIP flood insurance policies are in force in ZIP 32548 (Fort Walton Beach, FL), with 2,125 flood claims recorded since 1978.

Policies & premiums

Policies in force
4,842
Median annual premium
$857
premium only
Median annual cost
$1,119
premium + fees & surcharges
Mean annual premium
$1,735
premium only
Policies in SFHA zones
65.4%
zones A, AE, AH, AO, V, VE
Building coverage in force
$1,069,521,000
Contents coverage in force
$135,640,000

"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 32548 by rated flood zone
Policies Share Share bar
VE 2,344 48.4%
AE 1,561 32.2%
X 860 17.8%
AO 75 1.5%
A 2 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 32548 by occupancy type
Policies Share Share bar
Multi-unit buildings 3,294 68.0%
Single-family homes 953 19.7%
Units in multi-unit buildings 371 7.7%
Non-residential buildings 224 4.6%

Claims history since 1978

Claims since 1978
2,125
Total paid
$95,406,493
Paid on buildings
$81,103,588
Paid on contents
$14,138,145
NFIP claims filed per year in ZIP 32548, 1978–2026. Rust bars mark the top loss years by dollars paid (also listed below).
Claims by year (data table)
YearClaimsPaid
1978 4 $14,450
1979 13 $97,035
1980 1 $469
1982 2 $2,624
1983 1 $792
1985 5 $22,678
1987 1 $0
1988 1 $0
1990 5 $12,165
1993 1 $0
1994 24 $48,143
1995 844 $41,321,175
1996 3 $6,502
1998 139 $976,402
2000 2 $0
2002 6 $228,378
2003 2 $0
2004 747 $41,959,918
2005 157 $5,456,525
2008 1 $8,243
2009 1 $0
2012 1 $0
2013 2 $31,833
2014 71 $2,352,947
2016 1 $5,125
2017 2 $0
2018 2 $13,375
2019 1 $101,008
2020 60 $2,566,750
2021 3 $40,484
2022 1 $0
2023 1 $29,410
2024 20 $110,063

Years with no recorded claims are omitted from the table.

Top loss years by dollars paid

Year Claims Paid
2004 747 $41,959,918
1995 844 $41,321,175
2005 157 $5,456,525

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