ZIP 32763 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, 110 NFIP flood insurance policies are in force in ZIP 32763 (Orange City, FL), with 34 flood claims recorded since 1978.

Policies & premiums

Policies in force: 110
Median annual premium: $701; premium only
Median annual cost: $947; premium + fees & surcharges
Mean annual premium: $1,065; premium only
Policies in SFHA zones: 11.8%; zones A, AE, AH, AO, V, VE
Building coverage in force: $19,665,200
Contents coverage in force: $9,007,000

"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 32763 by rated flood zone
	Policies	Share	Share bar
X	97	88.2%
A	13	11.8%

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 32763 by occupancy type
	Policies	Share
Single-family homes	73	66.4%
Non-residential buildings	17	15.5%
Units in multi-unit buildings	16	14.5%
Multi-unit buildings	2	1.8%
Mobile homes	2	1.8%

Claims history since 1978

Claims since 1978: 34
Total paid: $2,414,108
Paid on buildings: $1,922,273
Paid on contents: $491,834

NFIP claims filed per year in ZIP 32763, 1978–2026. Rust bars mark the top loss years by dollars paid (also listed below).

Claims by year (data table)

Year	Claims	Paid
1982	1	$0
1983	1	$1,345
2002	1	$2,953
2004	5	$88,258
2008	5	$603,935
2022	5	$284,550
2024	16	$1,433,066

Years with no recorded claims are omitted from the table.

Top loss years by dollars paid

Year	Claims	Paid
2024	16	$1,433,066
2008	5	$603,935
2022	5	$284,550

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