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Flood Figures

ZIP 33815 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, 127 NFIP flood insurance policies are in force in ZIP 33815 (Lakeland, FL), with 57 flood claims recorded since 1978.

Policies & premiums

Policies in force
127
Median annual premium
$1,260
premium only
Median annual cost
$1,702
premium + fees & surcharges
Mean annual premium
$1,459
premium only
Policies in SFHA zones
62.2%
zones A, AE, AH, AO, V, VE
Building coverage in force
$22,815,600
Contents coverage in force
$8,917,000

"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 33815 by rated flood zone
Policies Share Share bar
A 54 42.5%
X 48 37.8%
AE 25 19.7%

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 33815 by occupancy type
Policies Share Share bar
Multi-unit buildings 53 41.7%
Single-family homes 29 22.8%
Non-residential buildings 28 22.0%
Mobile homes 14 11.0%
Units in multi-unit buildings 3 2.4%

Claims history since 1978

Claims since 1978
57
Total paid
$5,396,280
Paid on buildings
$3,695,695
Paid on contents
$1,700,585
NFIP claims filed per year in ZIP 33815, 1978–2026. Rust bars mark the top loss years by dollars paid (also listed below).
Claims by year (data table)
YearClaimsPaid
1988 2 $28,019
1991 2 $40,673
1994 2 $33,038
1997 2 $3,568
1998 1 $115
2002 2 $52,268
2004 5 $156,264
2015 1 $3,812
2017 8 $1,107,737
2022 2 $9,947
2024 30 $3,960,838

Years with no recorded claims are omitted from the table.

Top loss years by dollars paid

Year Claims Paid
2024 30 $3,960,838
2017 8 $1,107,737
2004 5 $156,264

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