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Flood Figures

ZIP 33403 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, 1,405 NFIP flood insurance policies are in force in ZIP 33403 (West Palm Beach, FL), with 107 flood claims recorded since 1978.

Policies & premiums

Policies in force
1,405
Median annual premium
$754
premium only
Median annual cost
$1,039
premium + fees & surcharges
Mean annual premium
$1,260
premium only
Policies in SFHA zones
53.8%
zones A, AE, AH, AO, V, VE
Building coverage in force
$323,474,000
Contents coverage in force
$29,213,000

"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 33403 by rated flood zone
Policies Share Share bar
AE 1,123 79.9%
X 275 19.6%
A08 2 0.1%
B 2 0.1%
C 2 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 33403 by occupancy type
Policies Share Share bar
Multi-unit buildings 1,096 78.0%
Single-family homes 179 12.7%
Units in multi-unit buildings 75 5.3%
Non-residential buildings 55 3.9%

Claims history since 1978

Claims since 1978
107
Total paid
$668,030
Paid on buildings
$393,316
Paid on contents
$274,714
NFIP claims filed per year in ZIP 33403, 1978–2026. Rust bars mark the top loss years by dollars paid (also listed below).
Claims by year (data table)
YearClaimsPaid
1979 1 $0
1981 1 $0
1982 5 $3,416
1984 2 $2,587
1994 1 $0
1995 6 $7,065
1998 2 $0
1999 22 $206,150
2001 6 $309,371
2003 1 $22,460
2004 23 $56,897
2005 4 $43,610
2007 1 $5,057
2008 25 $0
2009 2 $1,988
2017 4 $0
2022 1 $9,427

Years with no recorded claims are omitted from the table.

Top loss years by dollars paid

Year Claims Paid
2001 6 $309,371
1999 22 $206,150
2004 23 $56,897

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