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Flood Figures

ZIP 33704 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, 2,223 NFIP flood insurance policies are in force in ZIP 33704 (Saint Petersburg, FL), with 1,258 flood claims recorded since 1978.

Policies & premiums

Policies in force
2,223
Median annual premium
$2,162
premium only
Median annual cost
$2,400
premium + fees & surcharges
Mean annual premium
$2,603
premium only
Policies in SFHA zones
74.0%
zones A, AE, AH, AO, V, VE
Building coverage in force
$524,513,800
Contents coverage in force
$135,682,000

"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 33704 by rated flood zone
Policies Share Share bar
AE 1,591 71.6%
X 532 23.9%
A 98 4.4%
VE 1 0.0%
A08 1 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 33704 by occupancy type
Policies Share Share bar
Single-family homes 1,818 81.8%
Multi-unit buildings 340 15.3%
Units in multi-unit buildings 36 1.6%
Non-residential buildings 29 1.3%

Claims history since 1978

Claims since 1978
1,258
Total paid
$134,349,197
Paid on buildings
$111,498,482
Paid on contents
$22,647,156
NFIP claims filed per year in ZIP 33704, 1978–2026. Rust bars mark the top loss years by dollars paid (also listed below).
Claims by year (data table)
YearClaimsPaid
1979 6 $11,123
1980 2 $919
1981 6 $553
1982 41 $42,089
1985 138 $723,145
1986 6 $12,649
1988 24 $26,191
1989 2 $8,845
1992 1 $0
1993 3 $604
1995 4 $2,725
1996 42 $254,966
1997 5 $0
1998 9 $31,741
2000 4 $2,229
2001 13 $36,995
2002 4 $8,214
2003 2 $5,109
2004 12 $29,071
2007 3 $27,086
2008 1 $0
2010 2 $18,655
2011 2 $9,603
2012 8 $40,627
2015 1 $0
2016 5 $54,890
2017 5 $0
2019 3 $7,512
2020 6 $49,253
2022 1 $0
2023 18 $1,109,504
2024 878 $131,829,961
2025 1 $4,940

Years with no recorded claims are omitted from the table.

Top loss years by dollars paid

Year Claims Paid
2024 878 $131,829,961
2023 18 $1,109,504
1985 138 $723,145

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