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Flood Figures

ZIP 33872 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, 195 NFIP flood insurance policies are in force in ZIP 33872 (Sebring, FL), with 23 flood claims recorded since 1978.

Policies & premiums

Policies in force
195
Median annual premium
$391
premium only
Median annual cost
$555
premium + fees & surcharges
Mean annual premium
$394
premium only
Policies in SFHA zones
35.9%
zones A, AE, AH, AO, V, VE
Building coverage in force
$40,284,000
Contents coverage in force
$11,425,000

"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 33872 by rated flood zone
Policies Share Share bar
X 125 64.1%
A 70 35.9%

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 33872 by occupancy type
Policies Share Share bar
Single-family homes 160 82.1%
Mobile homes 27 13.8%
Multi-unit buildings 6 3.1%
Units in multi-unit buildings 2 1.0%

Claims history since 1978

Claims since 1978
23
Total paid
$902,408
Paid on buildings
$714,500
Paid on contents
$187,908
NFIP claims filed per year in ZIP 33872, 1978–2026. Rust bars mark the top loss years by dollars paid (also listed below).
Claims by year (data table)
YearClaimsPaid
1998 2 $0
2004 3 $1,359
2017 5 $41,112
2018 1 $17,566
2022 12 $842,371

Years with no recorded claims are omitted from the table.

Top loss years by dollars paid

Year Claims Paid
2022 12 $842,371
2017 5 $41,112
2018 1 $17,566

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