ZIP 33001 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, 206 NFIP flood insurance policies are in force in ZIP 33001 (Long Key, FL), with 274 flood claims recorded since 1978.

Policies & premiums

Policies in force: 206
Median annual premium: $1,653; premium only
Median annual cost: $2,191; premium + fees & surcharges
Mean annual premium: $2,499; premium only
Policies in SFHA zones: 100.0%; zones A, AE, AH, AO, V, VE
Building coverage in force: $47,221,000
Contents coverage in force: $5,208,000

"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 33001 by rated flood zone
	Policies	Share	Share bar
AE	173	84.0%
VE	33	16.0%

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 33001 by occupancy type
	Policies	Share
Single-family homes	101	49.0%
Multi-unit buildings	47	22.8%
Mobile homes	27	13.1%
Non-residential buildings	27	13.1%
Units in multi-unit buildings	4	1.9%

Claims history since 1978

Claims since 1978: 274
Total paid: $6,640,174
Paid on buildings: $5,769,060
Paid on contents: $804,863

NFIP claims filed per year in ZIP 33001, 1978–2026. Rust bars mark the top loss years by dollars paid (also listed below).

Claims by year (data table)

Year	Claims	Paid
1993	15	$676
1997	1	$0
1998	39	$200,021
1999	3	$0
2005	95	$1,407,140
2012	2	$0
2017	119	$5,032,337

Years with no recorded claims are omitted from the table.

Top loss years by dollars paid

Year	Claims	Paid
2017	119	$5,032,337
2005	95	$1,407,140
1998	39	$200,021

State page: Flood insurance in Florida
Tool: look up another ZIP
Reading: What is the NFIP? · How these figures are computed