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Flood Figures

ZIP 33980 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, 1,557 NFIP flood insurance policies are in force in ZIP 33980 (Punta Gorda, FL), with 549 flood claims recorded since 1978.

Policies & premiums

Policies in force
1,557
Median annual premium
$1,424
premium only
Median annual cost
$1,811
premium + fees & surcharges
Mean annual premium
$2,086
premium only
Policies in SFHA zones
70.3%
zones A, AE, AH, AO, V, VE
Building coverage in force
$313,158,200
Contents coverage in force
$53,221,000

"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 33980 by rated flood zone
Policies Share Share bar
AE 1,002 64.4%
X 360 23.1%
A 132 8.5%
VE 58 3.7%
V 5 0.3%

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 33980 by occupancy type
Policies Share Share bar
Single-family homes 696 44.7%
Multi-unit buildings 600 38.5%
Non-residential buildings 119 7.6%
Units in multi-unit buildings 74 4.8%
Mobile homes 68 4.4%

Claims history since 1978

Claims since 1978
549
Total paid
$19,305,596
Paid on buildings
$17,521,842
Paid on contents
$1,783,753
NFIP claims filed per year in ZIP 33980, 1978–2026. Rust bars mark the top loss years by dollars paid (also listed below).
Claims by year (data table)
YearClaimsPaid
1982 7 $16,007
1985 6 $25,853
1988 13 $14,469
1991 2 $732
1992 13 $32,990
1993 2 $1,464
1995 31 $179,477
1996 5 $19,185
1997 2 $38,139
2000 3 $15,454
2001 31 $497,747
2003 15 $122,143
2004 58 $232,225
2005 1 $37,745
2006 1 $7,699
2007 1 $0
2010 2 $0
2012 3 $7,272
2016 2 $22,997
2017 16 $382,260
2018 1 $34,000
2019 1 $0
2022 62 $716,313
2023 11 $447,335
2024 260 $16,454,088

Years with no recorded claims are omitted from the table.

Top loss years by dollars paid

Year Claims Paid
2024 260 $16,454,088
2022 62 $716,313
2001 31 $497,747

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