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Flood Figures

ZIP 32766 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, 367 NFIP flood insurance policies are in force in ZIP 32766 (Oviedo, FL), with 57 flood claims recorded since 1978.

Policies & premiums

Policies in force
367
Median annual premium
$529
premium only
Median annual cost
$735
premium + fees & surcharges
Mean annual premium
$566
premium only
Policies in SFHA zones
20.2%
zones A, AE, AH, AO, V, VE
Building coverage in force
$86,147,000
Contents coverage in force
$30,841,000

"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 32766 by rated flood zone
Policies Share Share bar
X 293 79.8%
AE 37 10.1%
A 37 10.1%

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 32766 by occupancy type
Policies Share Share bar
Single-family homes 367 100.0%

Claims history since 1978

Claims since 1978
57
Total paid
$1,699,130
Paid on buildings
$1,371,559
Paid on contents
$327,571
NFIP claims filed per year in ZIP 32766, 1978–2026. Rust bars mark the top loss years by dollars paid (also listed below).
Claims by year (data table)
YearClaimsPaid
1988 1 $500
2002 1 $0
2004 2 $3,542
2008 9 $43,203
2012 1 $0
2016 1 $0
2017 7 $60,766
2018 1 $0
2020 1 $0
2022 27 $1,716,392
2024 6 -$125,273

Years with no recorded claims are omitted from the table.

Top loss years by dollars paid

Year Claims Paid
2022 27 $1,716,392
2017 7 $60,766
2008 9 $43,203

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