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Flood Figures

ZIP 34103 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, 4,318 NFIP flood insurance policies are in force in ZIP 34103 (Naples, FL), with 1,625 flood claims recorded since 1978.

Policies & premiums

Policies in force
4,318
Median annual premium
$1,523
premium only
Median annual cost
$1,967
premium + fees & surcharges
Mean annual premium
$2,877
premium only
Policies in SFHA zones
78.8%
zones A, AE, AH, AO, V, VE
Building coverage in force
$1,007,242,000
Contents coverage in force
$165,427,000

"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 34103 by rated flood zone
Policies Share Share bar
AE 2,860 66.2%
X 964 22.3%
AH 432 10.0%
VE 58 1.3%
AHB 3 0.1%
C 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 34103 by occupancy type
Policies Share Share bar
Multi-unit buildings 2,355 54.5%
Single-family homes 1,332 30.8%
Units in multi-unit buildings 400 9.3%
Non-residential buildings 229 5.3%
Mobile homes 2 0.0%

Claims history since 1978

Claims since 1978
1,625
Total paid
$255,905,663
Paid on buildings
$230,550,814
Paid on contents
$25,244,133
NFIP claims filed per year in ZIP 34103, 1978–2026. Rust bars mark the top loss years by dollars paid (also listed below).
Claims by year (data table)
YearClaimsPaid
1979 3 $1,291
1982 1 $0
1985 5 $939
1987 1 $1,264
1988 5 $0
1991 1 $0
1992 4 $0
1993 1 $0
1995 12 $19,765
1999 3 $17,580
2000 1 $0
2001 9 $17,393
2002 1 $0
2003 3 $5,731
2004 12 $21,183
2005 56 $1,580,577
2008 1 $0
2010 1 $0
2011 1 $0
2012 1 $0
2013 5 $25,133
2014 3 $158,872
2015 1 $0
2016 1 $19,371
2017 231 $7,974,128
2019 1 $0
2020 2 $0
2021 1 $0
2022 1,097 $228,168,418
2023 2 $0
2024 158 $17,894,017
2025 1 $0

Years with no recorded claims are omitted from the table.

Top loss years by dollars paid

Year Claims Paid
2022 1,097 $228,168,418
2024 158 $17,894,017
2017 231 $7,974,128

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