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Flood Figures

ZIP 32827 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, 320 NFIP flood insurance policies are in force in ZIP 32827 (Orlando, FL), with 5 flood claims recorded since 1978.

Policies & premiums

Policies in force
320
Median annual premium
$378
premium only
Median annual cost
$557
premium + fees & surcharges
Mean annual premium
$405
premium only
Policies in SFHA zones
3.8%
zones A, AE, AH, AO, V, VE
Building coverage in force
$77,523,000
Contents coverage in force
$28,255,000

"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 32827 by rated flood zone
Policies Share Share bar
X 308 96.3%
AE 12 3.8%

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 32827 by occupancy type
Policies Share Share bar
Single-family homes 283 88.4%
Non-residential buildings 16 5.0%
Multi-unit buildings 16 5.0%
Units in multi-unit buildings 5 1.6%

Claims history since 1978

Claims since 1978
5
Total paid
$39,762
Paid on buildings
$31,075
Paid on contents
$8,687
NFIP claims filed per year in ZIP 32827, 1978–2026. Rust bars mark the top loss years by dollars paid (also listed below).
Claims by year (data table)
YearClaimsPaid
2008 1 $0
2017 1 $0
2022 3 $39,762

Years with no recorded claims are omitted from the table.

Top loss years by dollars paid

Year Claims Paid
2022 3 $39,762
2017 1 $0
2008 1 $0

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