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Flood Figures

ZIP 33480 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, 6,624 NFIP flood insurance policies are in force in ZIP 33480 (Palm Beach, FL), with 1,356 flood claims recorded since 1978.

Policies & premiums

Policies in force
6,624
Median annual premium
$1,466
premium only
Median annual cost
$1,856
premium + fees & surcharges
Mean annual premium
$2,740
premium only
Policies in SFHA zones
74.7%
zones A, AE, AH, AO, V, VE
Building coverage in force
$1,590,137,000
Contents coverage in force
$251,174,000

"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 33480 by rated flood zone
Policies Share Share bar
AE 4,275 64.5%
X 1,566 23.6%
VE 729 11.0%
A07 25 0.4%
B 11 0.2%
AO 11 0.2%
C 7 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 33480 by occupancy type
Policies Share Share bar
Multi-unit buildings 4,140 62.5%
Single-family homes 1,644 24.8%
Units in multi-unit buildings 496 7.5%
Non-residential buildings 344 5.2%

Claims history since 1978

Claims since 1978
1,356
Total paid
$16,614,478
Paid on buildings
$13,373,089
Paid on contents
$3,211,388
NFIP claims filed per year in ZIP 33480, 1978–2026. Rust bars mark the top loss years by dollars paid (also listed below).
Claims by year (data table)
YearClaimsPaid
1978 77 $203,052
1979 80 $73,820
1980 6 $4,626
1981 26 $71,408
1982 64 $118,496
1983 5 $9,250
1984 53 $58,402
1985 1 $0
1987 4 $26,970
1988 1 $0
1989 10 $18,007
1990 1 $438
1991 90 $1,054,831
1992 19 $115,305
1993 5 $48,237
1994 14 $64,486
1995 32 $154,789
1996 7 $12,864
1997 4 $3,005
1998 58 $518,626
1999 114 $1,641,605
2000 55 $565,113
2001 5 $12,352
2002 16 $10,719
2003 2 $0
2004 304 $7,358,602
2005 38 $297,811
2006 70 $1,610,707
2007 6 $29,280
2008 2 $0
2009 3 $9,562
2010 2 $1,133
2011 3 $7,518
2012 18 $58,366
2014 75 $1,436,982
2015 3 $499
2016 4 $120,822
2017 30 $276,072
2018 4 $95,875
2019 1 $0
2020 15 $50,453
2021 21 $48,532
2022 2 $0
2024 3 $250,578
2025 3 $175,281

Years with no recorded claims are omitted from the table.

Top loss years by dollars paid

Year Claims Paid
2004 304 $7,358,602
1999 114 $1,641,605
2006 70 $1,610,707

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