ZIP 33913 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, 1,742 NFIP flood insurance policies are in force in ZIP 33913 (Fort Myers, FL), with 39 flood claims recorded since 1978.

Policies & premiums

Policies in force: 1,742
Median annual premium: $579; premium only
Median annual cost: $802; premium + fees & surcharges
Mean annual premium: $649; premium only
Policies in SFHA zones: 16.5%; zones A, AE, AH, AO, V, VE
Building coverage in force: $411,525,000
Contents coverage in force: $149,460,000

"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 33913 by rated flood zone
	Policies	Share
X	1,373	78.8%
AE	333	19.1%
C	36	2.1%

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 33913 by occupancy type
	Policies	Share
Single-family homes	1,399	80.3%
Units in multi-unit buildings	151	8.7%
Multi-unit buildings	130	7.5%
Non-residential buildings	62	3.6%

Claims history since 1978

Claims since 1978: 39
Total paid: $89,529
Paid on buildings: $70,838
Paid on contents: $18,691

NFIP claims filed per year in ZIP 33913, 1978–2026. Rust bars mark the top loss years by dollars paid (also listed below).

Claims by year (data table)

Year	Claims	Paid
1988	1	$0
2004	1	$0
2005	1	$0
2008	2	$0
2012	1	$0
2017	13	$62,794
2018	3	$5,211
2019	1	$0
2022	16	$21,523

Years with no recorded claims are omitted from the table.

Top loss years by dollars paid

Year	Claims	Paid
2017	13	$62,794
2022	16	$21,523
2018	3	$5,211

City page: Flood insurance in Fort Myers, FL
State page: Flood insurance in Florida
Other ZIPs in Fort Myers: 33908 , 33919 , 33907 , 33905 , 33967
Tool: look up another ZIP
Reading: What is the NFIP? · How these figures are computed