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Flood Figures

ZIP 33905 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, 3,016 NFIP flood insurance policies are in force in ZIP 33905 (Fort Myers, FL), with 1,717 flood claims recorded since 1978.

Policies & premiums

Policies in force
3,016
Median annual premium
$1,416
premium only
Median annual cost
$1,778
premium + fees & surcharges
Mean annual premium
$1,871
premium only
Policies in SFHA zones
86.9%
zones A, AE, AH, AO, V, VE
Building coverage in force
$666,786,800
Contents coverage in force
$131,971,000

"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 33905 by rated flood zone
Policies Share Share bar
AE 2,560 84.9%
X 375 12.4%
VE 46 1.5%
A 30 1.0%
V 3 0.1%
A07 1 0.0%
A06 1 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 33905 by occupancy type
Policies Share Share bar
Single-family homes 2,480 82.2%
Multi-unit buildings 299 9.9%
Non-residential buildings 93 3.1%
Mobile homes 92 3.1%
Units in multi-unit buildings 52 1.7%

Claims history since 1978

Claims since 1978
1,717
Total paid
$125,701,026
Paid on buildings
$110,103,890
Paid on contents
$15,557,136
NFIP claims filed per year in ZIP 33905, 1978–2026. Rust bars mark the top loss years by dollars paid (also listed below).
Claims by year (data table)
YearClaimsPaid
1979 2 $2,852
1981 5 $20,426
1982 34 $73,916
1983 8 $79,927
1985 12 $10,753
1987 1 $3,573
1988 54 $333,129
1989 2 $30,585
1990 1 $828
1991 1 $0
1992 7 $40,877
1993 2 $5,518
1995 19 $195,196
1996 4 $26,817
1998 1 $6,676
1999 3 $10,228
2000 1 $0
2001 52 $1,110,574
2002 1 $0
2003 1 $11,817
2004 70 $636,481
2005 15 $95,061
2007 1 $0
2008 1 $0
2009 2 $3,014
2011 2 $10,816
2012 1 $0
2013 4 $17,437
2015 2 $12,447
2016 1 $0
2017 158 $5,019,720
2020 2 $6,859
2021 1 $0
2022 751 $85,229,810
2023 6 $99,144
2024 486 $32,572,313
2025 3 $34,231

Years with no recorded claims are omitted from the table.

Top loss years by dollars paid

Year Claims Paid
2022 751 $85,229,810
2024 486 $32,572,313
2017 158 $5,019,720

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