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Flood Figures

ZIP 32963 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, 8,860 NFIP flood insurance policies are in force in ZIP 32963 (Vero Beach, FL), with 1,375 flood claims recorded since 1978.

Policies & premiums

Policies in force
8,860
Median annual premium
$1,013
premium only
Median annual cost
$1,415
premium + fees & surcharges
Mean annual premium
$1,946
premium only
Policies in SFHA zones
33.4%
zones A, AE, AH, AO, V, VE
Building coverage in force
$2,068,881,200
Contents coverage in force
$457,662,000

"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 32963 by rated flood zone
Policies Share Share bar
X 6,074 68.6%
AE 2,035 23.0%
VE 695 7.8%
AO 36 0.4%
C 8 0.1%
B 8 0.1%
A 2 0.0%
A09 1 0.0%
A08 1 0.0%

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 32963 by occupancy type
Policies Share Share bar
Multi-unit buildings 3,952 44.6%
Single-family homes 3,874 43.7%
Units in multi-unit buildings 660 7.4%
Non-residential buildings 374 4.2%

Claims history since 1978

Claims since 1978
1,375
Total paid
$29,227,260
Paid on buildings
$23,590,871
Paid on contents
$5,170,651
NFIP claims filed per year in ZIP 32963, 1978–2026. Rust bars mark the top loss years by dollars paid (also listed below).
Claims by year (data table)
YearClaimsPaid
1978 1 $0
1979 28 $6,576
1980 1 $0
1981 2 $9,148
1982 1 $1,757
1984 25 $463,917
1987 2 $1,274
1988 2 $0
1989 1 $780
1991 6 $157,023
1992 2 $0
1993 3 $0
1994 28 $134
1995 21 $228,973
1996 8 $241,331
1997 1 $0
1998 1 $114,000
1999 74 $469,612
2000 3 $0
2001 5 $730
2002 3 $0
2004 1,000 $24,434,045
2005 13 $89,031
2006 2 $0
2007 7 $23,032
2008 8 $27,210
2009 1 $0
2010 1 $0
2011 18 $159,216
2012 6 $2,120
2013 2 $12,537
2014 2 $0
2015 1 $0
2016 40 $1,265,172
2017 23 $1,070,584
2018 1 $0
2019 4 $0
2020 2 $0
2022 8 $245,274
2023 1 $0
2024 16 $203,784
2025 1 $0

Years with no recorded claims are omitted from the table.

Top loss years by dollars paid

Year Claims Paid
2004 1,000 $24,434,045
2016 40 $1,265,172
2017 23 $1,070,584

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