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Flood Figures

ZIP 32937 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, 4,414 NFIP flood insurance policies are in force in ZIP 32937 (Satellite Beach, FL), with 527 flood claims recorded since 1978.

Policies & premiums

Policies in force
4,414
Median annual premium
$858
premium only
Median annual cost
$1,087
premium + fees & surcharges
Mean annual premium
$1,214
premium only
Policies in SFHA zones
14.7%
zones A, AE, AH, AO, V, VE
Building coverage in force
$1,047,390,000
Contents coverage in force
$247,799,000

"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 32937 by rated flood zone
Policies Share Share bar
X 2,953 66.9%
VE 1,008 22.8%
AE 342 7.7%
AO 111 2.5%

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 32937 by occupancy type
Policies Share Share bar
Single-family homes 2,379 53.9%
Multi-unit buildings 1,701 38.5%
Units in multi-unit buildings 251 5.7%
Non-residential buildings 83 1.9%

Claims history since 1978

Claims since 1978
527
Total paid
$2,575,846
Paid on buildings
$2,173,297
Paid on contents
$372,549
NFIP claims filed per year in ZIP 32937, 1978–2026. Rust bars mark the top loss years by dollars paid (also listed below).
Claims by year (data table)
YearClaimsPaid
1979 10 $2,614
1980 2 $0
1981 14 $35,204
1982 4 $2,302
1983 2 $2,980
1984 10 $7,655
1985 3 $0
1987 2 $0
1989 2 $4,816
1992 2 $0
1993 1 $0
1994 41 $59,657
1995 46 $32,400
1996 8 $1,457
1998 1 $0
1999 46 $10,265
2000 1 $0
2001 2 $0
2003 2 $0
2004 112 $952,642
2005 8 $101,595
2007 2 $2,846
2008 99 $541,122
2009 2 $0
2010 2 $0
2011 6 $5,902
2012 1 $0
2014 2 $0
2015 1 $0
2016 17 $15,585
2017 53 $725,392
2020 1 $0
2021 2 $9,072
2022 16 $62,340
2023 1 $0
2024 1 $0
2025 2 $0

Years with no recorded claims are omitted from the table.

Top loss years by dollars paid

Year Claims Paid
2004 112 $952,642
2017 53 $725,392
2008 99 $541,122

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