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Flood Figures

ZIP 33702 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, 8,902 NFIP flood insurance policies are in force in ZIP 33702 (Saint Petersburg, FL), with 3,489 flood claims recorded since 1978.

Policies & premiums

Policies in force
8,902
Median annual premium
$1,750
premium only
Median annual cost
$2,164
premium + fees & surcharges
Mean annual premium
$2,096
premium only
Policies in SFHA zones
98.0%
zones A, AE, AH, AO, V, VE
Building coverage in force
$1,734,457,000
Contents coverage in force
$256,170,000

"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 33702 by rated flood zone
Policies Share Share bar
AE 8,137 91.4%
A 624 7.0%
X 131 1.5%
A09 7 0.1%
VE 3 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 33702 by occupancy type
Policies Share Share bar
Single-family homes 4,585 51.5%
Multi-unit buildings 3,534 39.7%
Units in multi-unit buildings 318 3.6%
Mobile homes 239 2.7%
Non-residential buildings 226 2.5%

Claims history since 1978

Claims since 1978
3,489
Total paid
$257,783,060
Paid on buildings
$221,854,413
Paid on contents
$35,620,445
NFIP claims filed per year in ZIP 33702, 1978–2026. Rust bars mark the top loss years by dollars paid (also listed below).
Claims by year (data table)
YearClaimsPaid
1979 39 $21,773
1980 2 $160
1981 8 $8,704
1982 88 $231,289
1983 8 $13,743
1985 347 $3,068,224
1986 4 $1,479
1987 5 $6,225
1988 32 $22,363
1991 4 $1,218
1992 1 $0
1993 22 $107,635
1994 1 $0
1995 17 $27,697
1996 343 $4,250,694
1997 15 $22,725
1998 11 $2,812
1999 3 $822
2000 4 $3,396
2001 18 $24,220
2002 8 $8,274
2003 3 $4,457
2004 53 $412,192
2005 2 $0
2006 5 $103,398
2007 1 $0
2008 3 $2,819
2009 1 $0
2010 1 $32,271
2011 5 $178,049
2012 27 $101,017
2013 4 $30,610
2014 2 $0
2015 11 $5,987
2016 10 $30,196
2017 13 $26,914
2018 3 $24,318
2019 5 $28,031
2020 89 $4,580,383
2021 3 $0
2022 5 $0
2023 189 $11,834,757
2024 2,069 $232,564,209
2025 4 $0
2026 1 $0

Years with no recorded claims are omitted from the table.

Top loss years by dollars paid

Year Claims Paid
2024 2,069 $232,564,209
2023 189 $11,834,757
2020 89 $4,580,383

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