Skip to content
Flood Figures

ZIP 34110 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, 6,589 NFIP flood insurance policies are in force in ZIP 34110 (Naples, FL), with 817 flood claims recorded since 1978.

Policies & premiums

Policies in force
6,589
Median annual premium
$888
premium only
Median annual cost
$1,232
premium + fees & surcharges
Mean annual premium
$1,560
premium only
Policies in SFHA zones
51.6%
zones A, AE, AH, AO, V, VE
Building coverage in force
$1,513,511,000
Contents coverage in force
$276,310,000

"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 34110 by rated flood zone
Policies Share Share bar
X 3,182 48.3%
AE 2,024 30.7%
AH 1,238 18.8%
VE 99 1.5%
AHB 41 0.6%
A 5 0.1%

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 34110 by occupancy type
Policies Share Share bar
Multi-unit buildings 3,310 50.2%
Single-family homes 2,430 36.9%
Units in multi-unit buildings 523 7.9%
Non-residential buildings 248 3.8%
Mobile homes 78 1.2%

Claims history since 1978

Claims since 1978
817
Total paid
$43,183,290
Paid on buildings
$39,196,397
Paid on contents
$3,857,124
NFIP claims filed per year in ZIP 34110, 1978–2026. Rust bars mark the top loss years by dollars paid (also listed below).
Claims by year (data table)
YearClaimsPaid
1980 1 $0
1982 3 $4,642
1989 1 $0
1993 1 $0
1995 10 $16,401
1998 1 $0
2001 24 $365,959
2002 2 $14,980
2003 1 $0
2004 6 $24,224
2005 11 $20,434
2006 1 $0
2008 1 $6,661
2009 3 $0
2011 4 $999
2012 2 $7,059
2014 2 $0
2015 3 $0
2016 3 $0
2017 123 $1,783,876
2018 2 $0
2019 3 $0
2020 2 $0
2021 1 $0
2022 508 $38,529,577
2023 7 $76,533
2024 91 $2,331,946

Years with no recorded claims are omitted from the table.

Top loss years by dollars paid

Year Claims Paid
2022 508 $38,529,577
2024 91 $2,331,946
2017 123 $1,783,876

Related pages