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Flood Figures

ZIP 32566 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, 4,412 NFIP flood insurance policies are in force in ZIP 32566 (Navarre, FL), with 3,406 flood claims recorded since 1978.

Policies & premiums

Policies in force
4,412
Median annual premium
$591
premium only
Median annual cost
$807
premium + fees & surcharges
Mean annual premium
$831
premium only
Policies in SFHA zones
40.4%
zones A, AE, AH, AO, V, VE
Building coverage in force
$1,050,920,000
Contents coverage in force
$324,094,000

"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 32566 by rated flood zone
Policies Share Share bar
X 2,274 51.5%
AE 1,396 31.6%
VE 740 16.8%
A06 1 0.0%
A11 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 32566 by occupancy type
Policies Share Share bar
Single-family homes 3,388 76.8%
Multi-unit buildings 768 17.4%
Units in multi-unit buildings 169 3.8%
Non-residential buildings 69 1.6%
Mobile homes 18 0.4%

Claims history since 1978

Claims since 1978
3,406
Total paid
$126,837,563
Paid on buildings
$104,969,066
Paid on contents
$20,239,233
NFIP claims filed per year in ZIP 32566, 1978–2026. Rust bars mark the top loss years by dollars paid (also listed below).
Claims by year (data table)
YearClaimsPaid
1979 17 $13,525
1985 1 $0
1988 1 $0
1990 1 $0
1991 1 $0
1995 734 $23,625,702
1996 3 $1,921
1997 4 $0
1998 131 $154,820
2001 1 $0
2002 17 $8,145
2004 1,272 $82,852,170
2005 703 $12,333,386
2006 1 $46,454
2007 4 $15,134
2008 2 $0
2009 1 $0
2010 2 $0
2012 2 $0
2013 11 $136,873
2014 86 $1,490,535
2015 2 $62,375
2016 1 $0
2017 5 $0
2018 1 $18,968
2020 386 $5,716,203
2021 2 $99,875
2022 2 $12,758
2023 1 $23,094
2024 10 $225,625
2025 1 $0

Years with no recorded claims are omitted from the table.

Top loss years by dollars paid

Year Claims Paid
2004 1,272 $82,852,170
1995 734 $23,625,702
2005 703 $12,333,386

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