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Flood Figures

ZIP 32820 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, 174 NFIP flood insurance policies are in force in ZIP 32820 (Orlando, FL), with 18 flood claims recorded since 1978.

Policies & premiums

Policies in force
174
Median annual premium
$379
premium only
Median annual cost
$524
premium + fees & surcharges
Mean annual premium
$423
premium only
Policies in SFHA zones
31.6%
zones A, AE, AH, AO, V, VE
Building coverage in force
$37,558,000
Contents coverage in force
$13,205,000

"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 32820 by rated flood zone
Policies Share Share bar
X 119 68.4%
A 46 26.4%
AE 9 5.2%

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 32820 by occupancy type
Policies Share Share bar
Single-family homes 142 81.6%
Mobile homes 31 17.8%
Non-residential buildings 1 0.6%

Claims history since 1978

Claims since 1978
18
Total paid
$128,317
Paid on buildings
$121,680
Paid on contents
$6,637
NFIP claims filed per year in ZIP 32820, 1978–2026. Rust bars mark the top loss years by dollars paid (also listed below).
Claims by year (data table)
YearClaimsPaid
1994 1 $7,453
2004 2 $7,561
2008 4 $9,838
2015 1 $0
2017 2 $13,180
2022 7 $90,285
2024 1 $0

Years with no recorded claims are omitted from the table.

Top loss years by dollars paid

Year Claims Paid
2022 7 $90,285
2017 2 $13,180
2008 4 $9,838

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