Skip to content
Flood Figures

ZIP 33404 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, 4,010 NFIP flood insurance policies are in force in ZIP 33404 (West Palm Beach, FL), with 351 flood claims recorded since 1978.

Policies & premiums

Policies in force
4,010
Median annual premium
$975
premium only
Median annual cost
$1,294
premium + fees & surcharges
Mean annual premium
$1,876
premium only
Policies in SFHA zones
60.6%
zones A, AE, AH, AO, V, VE
Building coverage in force
$950,305,000
Contents coverage in force
$94,072,000

"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 33404 by rated flood zone
Policies Share Share bar
AE 1,687 42.1%
X 1,169 29.2%
VE 999 24.9%
AH 64 1.6%
AO 60 1.5%
A07 15 0.4%
C 12 0.3%
AHB 2 0.0%
B 2 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 33404 by occupancy type
Policies Share Share bar
Multi-unit buildings 2,935 73.2%
Single-family homes 746 18.6%
Units in multi-unit buildings 186 4.6%
Non-residential buildings 141 3.5%
Mobile homes 2 0.0%

Claims history since 1978

Claims since 1978
351
Total paid
$2,480,839
Paid on buildings
$2,211,873
Paid on contents
$268,966
NFIP claims filed per year in ZIP 33404, 1978–2026. Rust bars mark the top loss years by dollars paid (also listed below).
Claims by year (data table)
YearClaimsPaid
1978 12 $20,693
1979 7 $7,506
1982 6 $1,002
1983 1 $0
1984 3 $1,151
1991 11 $321,597
1992 3 $86,493
1993 4 $0
1994 1 $0
1995 23 $53,269
1998 2 $0
1999 43 $93,074
2000 3 $72,059
2001 10 $64,310
2003 1 $0
2004 124 $820,983
2005 15 $17,125
2006 3 $6,709
2007 3 $83,820
2009 2 $0
2011 1 $9,892
2012 4 $0
2013 1 $0
2014 12 $293,796
2015 1 $0
2016 2 $0
2017 37 $509,018
2018 1 $0
2020 7 $18,269
2022 5 $0
2024 1 $73
2025 2 $0

Years with no recorded claims are omitted from the table.

Top loss years by dollars paid

Year Claims Paid
2004 124 $820,983
2017 37 $509,018
1991 11 $321,597

Related pages