ZIP 32580 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, 173 NFIP flood insurance policies are in force in ZIP 32580 (Valparaiso, FL), with 90 flood claims recorded since 1978.

Policies & premiums

Policies in force: 173
Median annual premium: $922; premium only
Median annual cost: $1,219; premium + fees & surcharges
Mean annual premium: $1,127; premium only
Policies in SFHA zones: 49.7%; zones A, AE, AH, AO, V, VE
Building coverage in force: $39,903,000
Contents coverage in force: $12,814,000

"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 32580 by rated flood zone
	Policies	Share
X	87	50.3%
AE	80	46.2%
VE	6	3.5%

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 32580 by occupancy type
	Policies	Share
Single-family homes	159	91.9%
Multi-unit buildings	7	4.0%
Non-residential buildings	6	3.5%
Units in multi-unit buildings	1	0.6%

Claims history since 1978

Claims since 1978: 90
Total paid: $1,494,717
Paid on buildings: $1,223,494
Paid on contents: $271,223

NFIP claims filed per year in ZIP 32580, 1978–2026. Rust bars mark the top loss years by dollars paid (also listed below).

Claims by year (data table)

Year	Claims	Paid
1990	1	$0
1995	48	$1,179,982
1998	7	$51,665
2004	28	$246,765
2008	1	$0
2013	1	$0
2014	2	$16,305
2020	2	$0

Years with no recorded claims are omitted from the table.

Top loss years by dollars paid

Year	Claims	Paid
1995	48	$1,179,982
2004	28	$246,765
1998	7	$51,665

State page: Flood insurance in Florida
Tool: look up another ZIP
Reading: What is the NFIP? · How these figures are computed