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Flood Figures

ZIP 33903 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, 3,277 NFIP flood insurance policies are in force in ZIP 33903 (North Fort Myers, FL), with 1,513 flood claims recorded since 1978.

Policies & premiums

Policies in force
3,277
Median annual premium
$1,902
premium only
Median annual cost
$2,338
premium + fees & surcharges
Mean annual premium
$2,557
premium only
Policies in SFHA zones
92.1%
zones A, AE, AH, AO, V, VE
Building coverage in force
$706,036,000
Contents coverage in force
$100,705,000

"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 33903 by rated flood zone
Policies Share Share bar
AE 2,894 88.3%
X 194 5.9%
A 135 4.1%
VE 37 1.1%
V 17 0.5%

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 33903 by occupancy type
Policies Share Share bar
Single-family homes 1,743 53.2%
Multi-unit buildings 1,081 33.0%
Mobile homes 202 6.2%
Non-residential buildings 162 4.9%
Units in multi-unit buildings 89 2.7%

Claims history since 1978

Claims since 1978
1,513
Total paid
$112,942,477
Paid on buildings
$101,856,735
Paid on contents
$10,995,742
NFIP claims filed per year in ZIP 33903, 1978–2026. Rust bars mark the top loss years by dollars paid (also listed below).
Claims by year (data table)
YearClaimsPaid
1979 1 $380
1980 2 $2,234
1981 5 $0
1982 50 $53,059
1983 1 $0
1984 1 $0
1985 7 $5,122
1987 5 $2,826
1988 33 $111,004
1989 2 $0
1990 1 $1,991
1991 1 $1,056
1992 2 $0
1995 9 $54,882
1996 1 $0
1997 7 $0
1998 4 $6,416
1999 2 $0
2001 44 $418,486
2002 2 $339
2003 2 $5,969
2004 47 $209,138
2005 7 $112,442
2007 6 $496
2008 1 $0
2011 2 $2,494
2012 1 $0
2013 3 $2,563
2015 1 $0
2016 1 $9,065
2017 83 $978,205
2018 2 $7,694
2019 2 $0
2020 1 $2,360
2022 859 $90,214,821
2023 9 $150,516
2024 304 $20,567,881
2025 2 $21,037

Years with no recorded claims are omitted from the table.

Top loss years by dollars paid

Year Claims Paid
2022 859 $90,214,821
2024 304 $20,567,881
2017 83 $978,205

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