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Flood Figures

ZIP 33950 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, 10,815 NFIP flood insurance policies are in force in ZIP 33950 (Punta Gorda, FL), with 3,200 flood claims recorded since 1978.

Policies & premiums

Policies in force
10,815
Median annual premium
$2,400
premium only
Median annual cost
$2,590
premium + fees & surcharges
Mean annual premium
$2,660
premium only
Policies in SFHA zones
99.2%
zones A, AE, AH, AO, V, VE
Building coverage in force
$2,369,328,400
Contents coverage in force
$397,504,000

"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 33950 by rated flood zone
Policies Share Share bar
AE 10,087 93.3%
A 510 4.7%
VE 149 1.4%
X 62 0.6%
A10 4 0.0%
A12 2 0.0%
A17 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 33950 by occupancy type
Policies Share Share bar
Single-family homes 5,625 52.0%
Multi-unit buildings 3,962 36.6%
Mobile homes 460 4.3%
Non-residential buildings 396 3.7%
Units in multi-unit buildings 372 3.4%

Claims history since 1978

Claims since 1978
3,200
Total paid
$140,825,735
Paid on buildings
$126,750,603
Paid on contents
$13,993,434
NFIP claims filed per year in ZIP 33950, 1978–2026. Rust bars mark the top loss years by dollars paid (also listed below).
Claims by year (data table)
YearClaimsPaid
1978 1 $0
1979 4 $3,808
1982 98 $184,423
1983 1 $0
1984 1 $0
1985 52 $261,454
1986 2 $0
1988 30 $72,616
1990 1 $3,804
1991 3 $14,744
1992 21 $10,485
1993 27 $214,286
1994 1 $0
1995 67 $278,129
1996 12 $49,907
1997 4 $23,841
1998 4 $5,656
1999 2 $0
2000 4 $4,716
2001 133 $2,069,519
2002 1 $0
2003 21 $26,504
2004 421 $1,914,533
2005 7 $10,645
2008 1 $0
2010 2 $0
2011 2 $0
2012 2 $0
2013 3 $22,819
2014 1 $0
2016 3 $45,646
2017 73 $981,514
2018 1 $0
2019 1 $0
2020 7 $108,802
2022 194 $875,728
2023 55 $2,797,272
2024 1,935 $130,844,885
2025 2 $0

Years with no recorded claims are omitted from the table.

Top loss years by dollars paid

Year Claims Paid
2024 1,935 $130,844,885
2023 55 $2,797,272
2001 133 $2,069,519

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