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Flood Figures

ZIP 33904 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, 9,650 NFIP flood insurance policies are in force in ZIP 33904 (Cape Coral, FL), with 2,773 flood claims recorded since 1978.

Policies & premiums

Policies in force
9,650
Median annual premium
$2,135
premium only
Median annual cost
$2,631
premium + fees & surcharges
Mean annual premium
$2,697
premium only
Policies in SFHA zones
90.4%
zones A, AE, AH, AO, V, VE
Building coverage in force
$2,229,469,800
Contents coverage in force
$303,596,000

"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 33904 by rated flood zone
Policies Share Share bar
AE 8,756 90.7%
X 846 8.8%
A08 38 0.4%
VE 7 0.1%
A 3 0.0%

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 33904 by occupancy type
Policies Share Share bar
Single-family homes 6,001 62.2%
Multi-unit buildings 3,117 32.3%
Units in multi-unit buildings 349 3.6%
Non-residential buildings 183 1.9%

Claims history since 1978

Claims since 1978
2,773
Total paid
$210,447,065
Paid on buildings
$189,209,620
Paid on contents
$20,785,248
NFIP claims filed per year in ZIP 33904, 1978–2026. Rust bars mark the top loss years by dollars paid (also listed below).
Claims by year (data table)
YearClaimsPaid
1979 5 $0
1980 2 $0
1981 4 $0
1982 15 $4,120
1983 2 $0
1984 1 $0
1985 4 $19,860
1986 1 $7,127
1987 3 $937
1988 17 $0
1989 2 $5,375
1991 1 $0
1992 5 $0
1993 6 $0
1995 15 $2,679
1996 8 $5,235
1997 4 $0
1998 5 $528
1999 13 $17,125
2000 7 $26,582
2001 18 $16,506
2002 6 $6,094
2003 5 $0
2004 176 $219,820
2005 19 $74,847
2006 9 $42,494
2007 3 $0
2008 4 $3,680
2009 2 $0
2010 4 $26,496
2011 1 $0
2012 6 $1,894
2013 6 $3,827
2014 2 $0
2017 101 $151,330
2019 1 $0
2020 5 $0
2021 1 $0
2022 2,237 $208,122,913
2023 8 $92,556
2024 38 $1,595,040
2025 1 $0

Years with no recorded claims are omitted from the table.

Top loss years by dollars paid

Year Claims Paid
2022 2,237 $208,122,913
2024 38 $1,595,040
2004 176 $219,820

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