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Flood Figures

ZIP 34102 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, 6,414 NFIP flood insurance policies are in force in ZIP 34102 (Naples, FL), with 3,178 flood claims recorded since 1978.

Policies & premiums

Policies in force
6,414
Median annual premium
$2,081
premium only
Median annual cost
$2,672
premium + fees & surcharges
Mean annual premium
$3,625
premium only
Policies in SFHA zones
85.7%
zones A, AE, AH, AO, V, VE
Building coverage in force
$1,488,882,800
Contents coverage in force
$303,386,000

"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 34102 by rated flood zone
Policies Share Share bar
AE 5,589 87.1%
X 779 12.1%
VE 18 0.3%
AH 15 0.2%
AHB 6 0.1%
AO 4 0.1%
A 3 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 34102 by occupancy type
Policies Share Share bar
Multi-unit buildings 2,994 46.7%
Single-family homes 2,377 37.1%
Units in multi-unit buildings 558 8.7%
Non-residential buildings 481 7.5%
Mobile homes 4 0.1%

Claims history since 1978

Claims since 1978
3,178
Total paid
$340,219,256
Paid on buildings
$294,141,583
Paid on contents
$45,847,794
NFIP claims filed per year in ZIP 34102, 1978–2026. Rust bars mark the top loss years by dollars paid (also listed below).
Claims by year (data table)
YearClaimsPaid
1978 2 $29,806
1979 8 $1,261
1980 1 $0
1982 17 $30,985
1983 5 $3,907
1984 1 $110
1985 13 $41,037
1986 2 $5,415
1987 18 $22,509
1988 8 $8,504
1989 3 $0
1991 3 $0
1992 4 $913
1993 7 $20,230
1995 46 $174,504
1996 3 $3,174
1998 1 $0
1999 14 $95,938
2000 1 $0
2001 28 $326,119
2003 8 $54,481
2004 8 $72,551
2005 73 $562,531
2006 3 $1,067
2007 1 $0
2008 5 $63,979
2009 3 $14,730
2010 2 $0
2011 2 $7,427
2012 2 $6,516
2013 1 $0
2014 10 $228,363
2015 1 $0
2016 2 $29,946
2017 289 $8,833,840
2018 1 $0
2020 2 $12,713
2021 1 $0
2022 2,060 $277,723,763
2023 3 $0
2024 515 $51,842,940
2025 1 $0

Years with no recorded claims are omitted from the table.

Top loss years by dollars paid

Year Claims Paid
2022 2,060 $277,723,763
2024 515 $51,842,940
2017 289 $8,833,840

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