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Flood Figures

ZIP 32803 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, 300 NFIP flood insurance policies are in force in ZIP 32803 (Orlando, FL), with 44 flood claims recorded since 1978.

Policies & premiums

Policies in force
300
Median annual premium
$494
premium only
Median annual cost
$721
premium + fees & surcharges
Mean annual premium
$591
premium only
Policies in SFHA zones
34.3%
zones A, AE, AH, AO, V, VE
Building coverage in force
$72,196,000
Contents coverage in force
$25,396,000

"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 32803 by rated flood zone
Policies Share Share bar
X 197 65.7%
AE 103 34.3%

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 32803 by occupancy type
Policies Share Share bar
Single-family homes 266 88.7%
Non-residential buildings 21 7.0%
Units in multi-unit buildings 9 3.0%
Multi-unit buildings 4 1.3%

Claims history since 1978

Claims since 1978
44
Total paid
$1,842,256
Paid on buildings
$1,700,030
Paid on contents
$142,226
NFIP claims filed per year in ZIP 32803, 1978–2026. Rust bars mark the top loss years by dollars paid (also listed below).
Claims by year (data table)
YearClaimsPaid
1982 1 $430
1983 1 $811
1984 1 $0
1991 1 $0
1996 2 $0
2004 2 $38,266
2007 1 $0
2011 1 $0
2012 2 $1,263
2014 1 $0
2017 5 $15,493
2022 20 $1,456,117
2024 6 $329,876

Years with no recorded claims are omitted from the table.

Top loss years by dollars paid

Year Claims Paid
2022 20 $1,456,117
2024 6 $329,876
2004 2 $38,266

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