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Flood Figures

ZIP 33756 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, 1,416 NFIP flood insurance policies are in force in ZIP 33756 (Clearwater, FL), with 369 flood claims recorded since 1978.

Policies & premiums

Policies in force
1,416
Median annual premium
$458
premium only
Median annual cost
$658
premium + fees & surcharges
Mean annual premium
$1,020
premium only
Policies in SFHA zones
50.5%
zones A, AE, AH, AO, V, VE
Building coverage in force
$338,630,400
Contents coverage in force
$67,716,000

"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 33756 by rated flood zone
Policies Share Share bar
AE 746 52.7%
X 638 45.1%
A 27 1.9%
VE 5 0.4%

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 33756 by occupancy type
Policies Share Share bar
Single-family homes 785 55.4%
Multi-unit buildings 519 36.7%
Non-residential buildings 62 4.4%
Units in multi-unit buildings 50 3.5%

Claims history since 1978

Claims since 1978
369
Total paid
$22,078,764
Paid on buildings
$18,897,007
Paid on contents
$3,077,879
NFIP claims filed per year in ZIP 33756, 1978–2026. Rust bars mark the top loss years by dollars paid (also listed below).
Claims by year (data table)
YearClaimsPaid
1978 2 $2,416
1979 4 $1,432
1981 2 $11,706
1982 3 $2,952
1983 6 $9,580
1985 13 $20,687
1987 11 $21,450
1988 26 $142,145
1991 1 $0
1992 1 $510
1993 78 $1,632,595
1994 2 $6,115
1995 5 $17,012
1996 3 $44,610
1997 3 $11,451
1999 2 $0
2000 10 $105,060
2004 8 $168,244
2005 1 $0
2006 1 $0
2007 1 $60,542
2010 1 $0
2011 1 $0
2012 5 $63,855
2013 1 $8,692
2014 1 $0
2015 2 $21,955
2016 3 $81,100
2017 6 $97,269
2018 1 $572
2019 2 $10,550
2020 2 $13,557
2021 2 $16,847
2022 2 $0
2023 3 $242,758
2024 153 $19,263,103
2025 1 $0

Years with no recorded claims are omitted from the table.

Top loss years by dollars paid

Year Claims Paid
2024 153 $19,263,103
1993 78 $1,632,595
2023 3 $242,758

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