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Flood Figures

ZIP 33428 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, 3,753 NFIP flood insurance policies are in force in ZIP 33428 (Boca Raton, FL), with 558 flood claims recorded since 1978.

Policies & premiums

Policies in force
3,753
Median annual premium
$466
premium only
Median annual cost
$644
premium + fees & surcharges
Mean annual premium
$523
premium only
Policies in SFHA zones
30.7%
zones A, AE, AH, AO, V, VE
Building coverage in force
$839,664,000
Contents coverage in force
$175,857,000

"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 33428 by rated flood zone
Policies Share Share bar
X 1,985 52.9%
AO 1,553 41.4%
AE 210 5.6%
AOB 5 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 33428 by occupancy type
Policies Share Share bar
Single-family homes 2,205 58.8%
Multi-unit buildings 1,278 34.1%
Units in multi-unit buildings 189 5.0%
Non-residential buildings 59 1.6%
Mobile homes 22 0.6%

Claims history since 1978

Claims since 1978
558
Total paid
$1,447,459
Paid on buildings
$1,273,008
Paid on contents
$174,451
NFIP claims filed per year in ZIP 33428, 1978–2026. Rust bars mark the top loss years by dollars paid (also listed below).
Claims by year (data table)
YearClaimsPaid
1979 8 $1,231
1980 1 $0
1981 7 $352
1982 5 $467
1983 1 $0
1984 1 $370
1987 1 $0
1992 7 $7,221
1993 6 $9,201
1994 12 $3,196
1995 8 $483
1996 1 $0
1997 1 $0
1998 10 $1,884
1999 82 $112,666
2000 7 $22,016
2001 7 $0
2002 4 $0
2003 6 $0
2004 49 $102,860
2005 129 $166,423
2006 5 $7,249
2007 9 $4,780
2008 5 $0
2009 10 $5,705
2010 3 $0
2011 9 $55,716
2012 17 $22,254
2013 12 $60,821
2014 4 $4,213
2015 21 $225,644
2016 20 $245,264
2017 64 $240,654
2018 4 $28,897
2019 4 $35,285
2020 7 $34,497
2021 3 $0
2022 3 $0
2023 1 $0
2025 4 $48,110

Years with no recorded claims are omitted from the table.

Top loss years by dollars paid

Year Claims Paid
2016 20 $245,264
2017 64 $240,654
2015 21 $225,644

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