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Flood Figures

ZIP 32960 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, 1,782 NFIP flood insurance policies are in force in ZIP 32960 (Vero Beach, FL), with 922 flood claims recorded since 1978.

Policies & premiums

Policies in force
1,782
Median annual premium
$1,143
premium only
Median annual cost
$1,556
premium + fees & surcharges
Mean annual premium
$1,860
premium only
Policies in SFHA zones
40.8%
zones A, AE, AH, AO, V, VE
Building coverage in force
$389,665,400
Contents coverage in force
$92,139,000

"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 32960 by rated flood zone
Policies Share Share bar
X 1,043 58.5%
AE 732 41.1%
A 5 0.3%
C 1 0.1%
VE 1 0.1%

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 32960 by occupancy type
Policies Share Share bar
Multi-unit buildings 793 44.5%
Single-family homes 674 37.8%
Non-residential buildings 182 10.2%
Units in multi-unit buildings 104 5.8%
Mobile homes 29 1.6%

Claims history since 1978

Claims since 1978
922
Total paid
$24,750,570
Paid on buildings
$20,409,683
Paid on contents
$4,037,208
NFIP claims filed per year in ZIP 32960, 1978–2026. Rust bars mark the top loss years by dollars paid (also listed below).
Claims by year (data table)
YearClaimsPaid
1979 27 $22,395
1980 1 $0
1981 1 $0
1982 2 $545
1983 1 $0
1984 9 $10,792
1985 1 $0
1987 1 $1,100
1991 2 $310
1992 1 $2,038
1993 11 $82,959
1995 4 $0
1999 20 $115,094
2001 1 $0
2002 20 $171,675
2003 2 $6,964
2004 639 $18,365,271
2005 9 $32,460
2007 3 $0
2008 14 $34,499
2009 5 $0
2011 22 $145,909
2012 5 $77,385
2013 1 $51,393
2016 38 $1,090,205
2017 43 $1,680,445
2020 3 $31,221
2022 1 $0
2023 1 $0
2024 34 $2,827,910

Years with no recorded claims are omitted from the table.

Top loss years by dollars paid

Year Claims Paid
2004 639 $18,365,271
2024 34 $2,827,910
2017 43 $1,680,445

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