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Flood Figures

ZIP 33859 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, 142 NFIP flood insurance policies are in force in ZIP 33859 (Lake Wales, FL), with 18 flood claims recorded since 1978.

Policies & premiums

Policies in force
142
Median annual premium
$402
premium only
Median annual cost
$578
premium + fees & surcharges
Mean annual premium
$547
premium only
Policies in SFHA zones
54.2%
zones A, AE, AH, AO, V, VE
Building coverage in force
$35,029,000
Contents coverage in force
$9,273,000

"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 33859 by rated flood zone
Policies Share Share bar
AE 77 54.2%
X 65 45.8%

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 33859 by occupancy type
Policies Share Share bar
Single-family homes 90 63.4%
Non-residential buildings 22 15.5%
Mobile homes 19 13.4%
Multi-unit buildings 11 7.7%

Claims history since 1978

Claims since 1978
18
Total paid
$166,787
Paid on buildings
$154,262
Paid on contents
$12,525
NFIP claims filed per year in ZIP 33859, 1978–2026. Rust bars mark the top loss years by dollars paid (also listed below).
Claims by year (data table)
YearClaimsPaid
2004 7 $5,760
2005 2 $10,275
2010 1 $3,415
2016 1 $0
2017 2 $12,762
2022 5 $134,574

Years with no recorded claims are omitted from the table.

Top loss years by dollars paid

Year Claims Paid
2022 5 $134,574
2017 2 $12,762
2005 2 $10,275

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