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Flood Figures

ZIP 33708 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, 7,524 NFIP flood insurance policies are in force in ZIP 33708 (Saint Petersburg, FL), with 7,625 flood claims recorded since 1978.

Policies & premiums

Policies in force
7,524
Median annual premium
$2,400
premium only
Median annual cost
$2,400
premium + fees & surcharges
Mean annual premium
$3,326
premium only
Policies in SFHA zones
96.1%
zones A, AE, AH, AO, V, VE
Building coverage in force
$1,594,545,200
Contents coverage in force
$143,486,000

"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 33708 by rated flood zone
Policies Share Share bar
AE 6,107 81.2%
A 695 9.2%
X 351 4.7%
VE 318 4.2%
V 51 0.7%
A12 2 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 33708 by occupancy type
Policies Share Share bar
Multi-unit buildings 4,679 62.2%
Single-family homes 2,253 29.9%
Units in multi-unit buildings 399 5.3%
Non-residential buildings 157 2.1%
Mobile homes 36 0.5%

Claims history since 1978

Claims since 1978
7,625
Total paid
$534,631,507
Paid on buildings
$466,397,298
Paid on contents
$66,747,560
NFIP claims filed per year in ZIP 33708, 1978–2026. Rust bars mark the top loss years by dollars paid (also listed below).
Claims by year (data table)
YearClaimsPaid
1978 6 $1,736
1979 57 $32,405
1980 2 $0
1981 13 $3,928
1982 530 $1,413,914
1983 10 $10,758
1984 1 $0
1985 1,480 $10,878,567
1986 32 $69,278
1987 16 $51,553
1988 81 $80,017
1990 1 $0
1991 4 $11,560
1992 15 $7,105
1993 274 $1,796,841
1994 4 $0
1995 49 $265,467
1996 739 $9,378,365
1997 22 $44,628
1998 17 $10,772
1999 11 $14,164
2000 100 $997,552
2001 16 $95,564
2002 14 $71,485
2003 17 $50,155
2004 42 $344,447
2005 19 $106,477
2006 8 $72,612
2007 7 $56,764
2008 5 $17,206
2009 1 $0
2010 2 $0
2011 6 $18,770
2012 109 $2,044,305
2013 5 $30,815
2014 3 $0
2015 3 $14,193
2016 37 $743,948
2017 25 $227,893
2019 2 $0
2020 350 $18,637,344
2021 3 $0
2022 4 $15,581
2023 432 $21,155,892
2024 3,048 $465,859,445
2025 3 $0

Years with no recorded claims are omitted from the table.

Top loss years by dollars paid

Year Claims Paid
2024 3,048 $465,859,445
2023 432 $21,155,892
2020 350 $18,637,344

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