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Flood Figures

ZIP 33785 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, 4,519 NFIP flood insurance policies are in force in ZIP 33785 (Indian Rocks Beach, FL), with 2,667 flood claims recorded since 1978.

Policies & premiums

Policies in force
4,519
Median annual premium
$2,400
premium only
Median annual cost
$2,400
premium + fees & surcharges
Mean annual premium
$2,939
premium only
Policies in SFHA zones
99.6%
zones A, AE, AH, AO, V, VE
Building coverage in force
$1,012,709,200
Contents coverage in force
$72,492,000

"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 33785 by rated flood zone
Policies Share Share bar
AE 4,031 89.2%
A 190 4.2%
AO 178 3.9%
VE 104 2.3%
X 12 0.3%
A11 3 0.1%
V 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 33785 by occupancy type
Policies Share Share bar
Multi-unit buildings 2,907 64.3%
Single-family homes 1,256 27.8%
Units in multi-unit buildings 286 6.3%
Non-residential buildings 70 1.5%

Claims history since 1978

Claims since 1978
2,667
Total paid
$158,311,665
Paid on buildings
$143,736,439
Paid on contents
$14,260,535
NFIP claims filed per year in ZIP 33785, 1978–2026. Rust bars mark the top loss years by dollars paid (also listed below).
Claims by year (data table)
YearClaimsPaid
1978 4 $1,352
1979 4 $3,865
1981 7 $4,112
1982 77 $151,756
1983 4 $5,356
1984 3 $0
1985 329 $2,999,114
1988 36 $30,058
1991 2 $0
1992 13 $9,427
1993 367 $3,469,865
1994 4 $1,795
1995 24 $62,126
1996 34 $219,643
1997 8 $8,121
1998 2 $0
1999 30 $201,103
2000 2 $1,423
2001 4 $0
2002 1 $1,868
2004 16 $12,093
2008 1 $22,533
2009 1 $2,299
2011 3 $13,763
2012 30 $345,592
2013 3 $1,198
2014 1 $0
2016 11 $171,570
2017 19 $29,417
2019 1 $0
2020 2 $0
2021 2 $34,879
2022 1 $0
2023 70 $1,913,734
2024 1,550 $148,593,604
2025 1 $0

Years with no recorded claims are omitted from the table.

Top loss years by dollars paid

Year Claims Paid
2024 1,550 $148,593,604
1993 367 $3,469,865
1985 329 $2,999,114

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