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Flood Figures

ZIP 33908 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, 19,451 NFIP flood insurance policies are in force in ZIP 33908 (Fort Myers, FL), with 8,398 flood claims recorded since 1978.

Policies & premiums

Policies in force
19,451
Median annual premium
$1,747
premium only
Median annual cost
$2,200
premium + fees & surcharges
Mean annual premium
$2,575
premium only
Policies in SFHA zones
96.6%
zones A, AE, AH, AO, V, VE
Building coverage in force
$4,262,229,400
Contents coverage in force
$544,785,000

"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 33908 by rated flood zone
Policies Share Share bar
AE 18,600 95.6%
X 745 3.8%
VE 39 0.2%
A 36 0.2%
A14 19 0.1%
A10 12 0.1%

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 33908 by occupancy type
Policies Share Share bar
Multi-unit buildings 10,062 51.7%
Single-family homes 6,780 34.9%
Units in multi-unit buildings 1,539 7.9%
Non-residential buildings 549 2.8%
Mobile homes 521 2.7%

Claims history since 1978

Claims since 1978
8,398
Total paid
$887,259,938
Paid on buildings
$790,821,488
Paid on contents
$95,950,012
NFIP claims filed per year in ZIP 33908, 1978–2026. Rust bars mark the top loss years by dollars paid (also listed below).
Claims by year (data table)
YearClaimsPaid
1978 1 $307
1979 6 $2,887
1981 3 $3,983
1982 6 $3,932
1983 2 $76
1985 9 $8,704
1986 1 $0
1988 18 $47,312
1989 4 $0
1990 1 $0
1991 2 $2,319
1992 2 $2,917
1993 4 $175
1995 15 $11,426
1996 3 $13,765
1997 2 $10,162
1998 5 $1,314
1999 3 $6,770
2000 10 $17,926
2001 67 $373,674
2003 2 $0
2004 127 $412,242
2005 36 $88,656
2006 3 $8,018
2007 1 $0
2008 1 $0
2009 2 $0
2010 3 $2,217
2011 3 $0
2012 4 $18,601
2013 1 $750
2014 1 $0
2015 2 $0
2016 2 $0
2017 512 $19,188,420
2018 3 $0
2019 3 $0
2020 4 $23,758
2021 5 $48,411
2022 6,776 $820,823,203
2023 15 $20,370
2024 724 $46,117,646
2025 4 $0

Years with no recorded claims are omitted from the table.

Top loss years by dollars paid

Year Claims Paid
2022 6,776 $820,823,203
2024 724 $46,117,646
2017 512 $19,188,420

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