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Flood Figures

ZIP 32583 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, 1,288 NFIP flood insurance policies are in force in ZIP 32583 (Milton, FL), with 1,830 flood claims recorded since 1978.

Policies & premiums

Policies in force
1,288
Median annual premium
$858
premium only
Median annual cost
$1,087
premium + fees & surcharges
Mean annual premium
$1,018
premium only
Policies in SFHA zones
67.5%
zones A, AE, AH, AO, V, VE
Building coverage in force
$305,101,000
Contents coverage in force
$103,108,000

"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 32583 by rated flood zone
Policies Share Share bar
AE 759 58.9%
X 415 32.2%
VE 103 8.0%
A10 4 0.3%
C 3 0.2%
A07 1 0.1%
A 1 0.1%
A09 1 0.1%
V12 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 32583 by occupancy type
Policies Share Share bar
Single-family homes 1,250 97.0%
Mobile homes 21 1.6%
Non-residential buildings 12 0.9%
Multi-unit buildings 5 0.4%

Claims history since 1978

Claims since 1978
1,830
Total paid
$96,519,939
Paid on buildings
$73,204,687
Paid on contents
$21,762,498
NFIP claims filed per year in ZIP 32583, 1978–2026. Rust bars mark the top loss years by dollars paid (also listed below).
Claims by year (data table)
YearClaimsPaid
1978 14 $83,071
1979 30 $248,325
1980 1 $0
1981 1 $0
1983 2 $0
1984 2 $19,719
1985 1 $0
1988 13 $135,732
1989 12 $168,102
1990 22 $288,154
1991 1 $0
1994 7 $60,855
1995 193 $1,842,274
1996 2 $0
1998 135 $1,404,189
2000 1 $3,751
2001 1 $0
2002 11 $77,457
2003 1 $0
2004 815 $78,276,729
2005 75 $619,867
2006 1 $3,354
2007 3 $24,943
2008 1 $0
2009 11 $18,009
2012 2 $0
2013 2 $7,105
2014 22 $252,140
2016 1 $0
2017 11 $51,949
2018 2 $34,542
2020 429 $12,891,237
2021 2 $5,807
2022 1 $2,629
2023 2 $0

Years with no recorded claims are omitted from the table.

Top loss years by dollars paid

Year Claims Paid
2004 815 $78,276,729
2020 429 $12,891,237
1995 193 $1,842,274

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