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Flood Figures

ZIP 32948 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, 211 NFIP flood insurance policies are in force in ZIP 32948 (Fellsmere, FL), with 21 flood claims recorded since 1978.

Policies & premiums

Policies in force
211
Median annual premium
$501
premium only
Median annual cost
$707
premium + fees & surcharges
Mean annual premium
$574
premium only
Policies in SFHA zones
90.0%
zones A, AE, AH, AO, V, VE
Building coverage in force
$49,884,000
Contents coverage in force
$10,978,000

"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 32948 by rated flood zone
Policies Share Share bar
A 188 89.1%
X 21 10.0%
AE 2 0.9%

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 32948 by occupancy type
Policies Share Share bar
Single-family homes 187 88.6%
Non-residential buildings 15 7.1%
Mobile homes 5 2.4%
Multi-unit buildings 4 1.9%

Claims history since 1978

Claims since 1978
21
Total paid
$184,368
Paid on buildings
$158,101
Paid on contents
$26,267
NFIP claims filed per year in ZIP 32948, 1978–2026. Rust bars mark the top loss years by dollars paid (also listed below).
Claims by year (data table)
YearClaimsPaid
1991 1 $2,470
1994 1 $25,891
2004 13 $69,093
2008 1 $0
2017 3 $71,900
2023 2 $15,014

Years with no recorded claims are omitted from the table.

Top loss years by dollars paid

Year Claims Paid
2017 3 $71,900
2004 13 $69,093
1994 1 $25,891

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