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Flood Figures

ZIP 34108 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, 7,889 NFIP flood insurance policies are in force in ZIP 34108 (Naples, FL), with 1,524 flood claims recorded since 1978.

Policies & premiums

Policies in force
7,889
Median annual premium
$1,011
premium only
Median annual cost
$1,366
premium + fees & surcharges
Mean annual premium
$2,017
premium only
Policies in SFHA zones
45.0%
zones A, AE, AH, AO, V, VE
Building coverage in force
$1,842,669,200
Contents coverage in force
$258,141,000

"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 34108 by rated flood zone
Policies Share Share bar
AE 4,072 51.6%
X 3,446 43.7%
AH 280 3.5%
VE 57 0.7%
AHB 31 0.4%
A 2 0.0%
A10 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 34108 by occupancy type
Policies Share Share bar
Multi-unit buildings 4,746 60.2%
Single-family homes 2,410 30.5%
Units in multi-unit buildings 531 6.7%
Non-residential buildings 202 2.6%

Claims history since 1978

Claims since 1978
1,524
Total paid
$167,655,427
Paid on buildings
$148,651,808
Paid on contents
$18,876,348
NFIP claims filed per year in ZIP 34108, 1978–2026. Rust bars mark the top loss years by dollars paid (also listed below).
Claims by year (data table)
YearClaimsPaid
1982 3 $1,843
1983 2 $5,006
1985 4 $5,748
1988 10 $169,865
1992 10 $5,768
1993 3 $6,306
1994 1 $0
1995 37 $204,885
1997 2 $0
1998 1 $0
1999 4 $6,735
2000 1 $0
2001 23 $751,421
2002 2 $1,745
2003 3 $3,793
2004 22 $901,367
2005 37 $103,512
2006 1 $0
2007 1 $0
2008 2 $0
2009 2 $0
2011 4 $15,722
2012 4 $0
2013 11 $24,593
2014 5 $138
2015 1 $0
2016 2 $0
2017 162 $4,471,834
2021 1 $8,228
2022 899 $139,172,784
2023 10 $0
2024 253 $21,794,136
2025 1 $0

Years with no recorded claims are omitted from the table.

Top loss years by dollars paid

Year Claims Paid
2022 899 $139,172,784
2024 253 $21,794,136
2017 162 $4,471,834

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