ZIP 32776 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, 133 NFIP flood insurance policies are in force in ZIP 32776 (Sorrento, FL), with 9 flood claims recorded since 1978.
Policies & premiums
- Policies in force
- 133
- Median annual premium
- $586
- premium only
- Median annual cost
- $792
- premium + fees & surcharges
- Mean annual premium
- $668
- premium only
- Policies in SFHA zones
- 56.4%
- zones A, AE, AH, AO, V, VE
- Building coverage in force
- $30,353,000
- Contents coverage in force
- $8,252,000
"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
| Policies | Share | Share bar | |
|---|---|---|---|
| X | 58 | 43.6% | |
| AE | 50 | 37.6% | |
| A | 25 | 18.8% |
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
| Policies | Share | Share bar | |
|---|---|---|---|
| Single-family homes | 121 | 91.0% | |
| Mobile homes | 7 | 5.3% | |
| Non-residential buildings | 5 | 3.8% |
Claims history since 1978
- Claims since 1978
- 9
- Total paid
- $586,702
- Paid on buildings
- $445,382
- Paid on contents
- $141,321
Claims by year (data table)
| Year | Claims | Paid |
|---|---|---|
| 1994 | 1 | $0 |
| 2010 | 1 | $22,459 |
| 2016 | 1 | $0 |
| 2017 | 3 | $30,818 |
| 2019 | 1 | $0 |
| 2024 | 1 | $350,000 |
| 2025 | 1 | $183,425 |
Years with no recorded claims are omitted from the table.
Top loss years by dollars paid
| Year | Claims | Paid |
|---|---|---|
| 2024 | 1 | $350,000 |
| 2025 | 1 | $183,425 |
| 2017 | 3 | $30,818 |
Related pages
- State page: Flood insurance in Florida
- Tool: look up another ZIP
- Reading: What is the NFIP? · How these figures are computed