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Flood Figures

ZIP 32712 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, 340 NFIP flood insurance policies are in force in ZIP 32712 (Apopka, FL), with 14 flood claims recorded since 1978.

Policies & premiums

Policies in force
340
Median annual premium
$464
premium only
Median annual cost
$640
premium + fees & surcharges
Mean annual premium
$547
premium only
Policies in SFHA zones
27.9%
zones A, AE, AH, AO, V, VE
Building coverage in force
$79,772,000
Contents coverage in force
$27,379,000

"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 32712 by rated flood zone
Policies Share Share bar
X 245 72.1%
AE 85 25.0%
A 10 2.9%

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 32712 by occupancy type
Policies Share Share bar
Single-family homes 323 95.0%
Non-residential buildings 8 2.4%
Units in multi-unit buildings 7 2.1%
Mobile homes 2 0.6%

Claims history since 1978

Claims since 1978
14
Total paid
$27,832
Paid on buildings
$27,832
Paid on contents
$0
NFIP claims filed per year in ZIP 32712, 1978–2026. Rust bars mark the top loss years by dollars paid (also listed below).
Claims by year (data table)
YearClaimsPaid
1985 1 $0
2008 2 $0
2013 1 $0
2017 6 $24,515
2018 1 $0
2019 1 $0
2021 1 $0
2024 1 $3,317

Years with no recorded claims are omitted from the table.

Top loss years by dollars paid

Year Claims Paid
2017 6 $24,515
2024 1 $3,317
2021 1 $0

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