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Flood Figures

ZIP 33830 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, 141 NFIP flood insurance policies are in force in ZIP 33830 (Bartow, FL), with 46 flood claims recorded since 1978.

Policies & premiums

Policies in force
141
Median annual premium
$468
premium only
Median annual cost
$661
premium + fees & surcharges
Mean annual premium
$576
premium only
Policies in SFHA zones
44.0%
zones A, AE, AH, AO, V, VE
Building coverage in force
$28,668,600
Contents coverage in force
$8,384,000

"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 33830 by rated flood zone
Policies Share Share bar
X 79 56.0%
AE 46 32.6%
A 16 11.3%

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 33830 by occupancy type
Policies Share Share bar
Single-family homes 107 75.9%
Mobile homes 24 17.0%
Non-residential buildings 8 5.7%
Multi-unit buildings 2 1.4%

Claims history since 1978

Claims since 1978
46
Total paid
$997,933
Paid on buildings
$952,962
Paid on contents
$44,970
NFIP claims filed per year in ZIP 33830, 1978–2026. Rust bars mark the top loss years by dollars paid (also listed below).
Claims by year (data table)
YearClaimsPaid
1979 4 $8,062
1982 1 $0
1995 2 $1,392
2003 4 $72,698
2004 25 $583,346
2005 1 $0
2020 1 $0
2022 8 $332,435

Years with no recorded claims are omitted from the table.

Top loss years by dollars paid

Year Claims Paid
2004 25 $583,346
2022 8 $332,435
2003 4 $72,698

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