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Flood Figures

ZIP 33538 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, 162 NFIP flood insurance policies are in force in ZIP 33538 (Lake Panasoffkee, FL), with 21 flood claims recorded since 1978.

Policies & premiums

Policies in force
162
Median annual premium
$538
premium only
Median annual cost
$754
premium + fees & surcharges
Mean annual premium
$621
premium only
Policies in SFHA zones
94.4%
zones A, AE, AH, AO, V, VE
Building coverage in force
$30,749,600
Contents coverage in force
$4,788,000

"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 33538 by rated flood zone
Policies Share Share bar
AE 137 84.6%
A 16 9.9%
X 8 4.9%
C 1 0.6%

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 33538 by occupancy type
Policies Share Share bar
Single-family homes 134 82.7%
Mobile homes 18 11.1%
Non-residential buildings 8 4.9%
Multi-unit buildings 2 1.2%

Claims history since 1978

Claims since 1978
21
Total paid
$78,125
Paid on buildings
$64,568
Paid on contents
$13,557
NFIP claims filed per year in ZIP 33538, 1978–2026. Rust bars mark the top loss years by dollars paid (also listed below).
Claims by year (data table)
YearClaimsPaid
1978 2 $0
1979 3 $1,599
1987 1 $79
2003 2 $0
2004 6 $19,492
2017 3 $42,000
2024 4 $14,955

Years with no recorded claims are omitted from the table.

Top loss years by dollars paid

Year Claims Paid
2017 3 $42,000
2004 6 $19,492
2024 4 $14,955

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