Skip to content
Flood Figures

ZIP 34112 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, 8,393 NFIP flood insurance policies are in force in ZIP 34112 (Naples, FL), with 1,586 flood claims recorded since 1978.

Policies & premiums

Policies in force
8,393
Median annual premium
$1,407
premium only
Median annual cost
$1,804
premium + fees & surcharges
Mean annual premium
$2,133
premium only
Policies in SFHA zones
91.1%
zones A, AE, AH, AO, V, VE
Building coverage in force
$1,771,408,800
Contents coverage in force
$198,695,000

"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 34112 by rated flood zone
Policies Share Share bar
AE 7,552 90.0%
X 600 7.1%
AH 202 2.4%
AHB 26 0.3%
A 13 0.2%

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 34112 by occupancy type
Policies Share Share bar
Multi-unit buildings 4,394 52.4%
Single-family homes 2,752 32.8%
Units in multi-unit buildings 724 8.6%
Mobile homes 309 3.7%
Non-residential buildings 214 2.5%

Claims history since 1978

Claims since 1978
1,586
Total paid
$83,748,983
Paid on buildings
$79,522,779
Paid on contents
$4,111,703
NFIP claims filed per year in ZIP 34112, 1978–2026. Rust bars mark the top loss years by dollars paid (also listed below).
Claims by year (data table)
YearClaimsPaid
1979 1 $0
1980 1 $0
1981 1 $0
1982 1 $291
1983 1 $741
1984 1 $0
1985 14 $33,813
1986 1 $0
1991 4 $2,910
1992 4 $0
1993 5 $6,310
1995 77 $381,648
1996 2 $10,584
1998 9 $57,475
1999 15 $45,884
2000 2 $0
2001 18 $90,396
2002 1 $0
2003 13 $22,810
2004 8 $10,110
2005 55 $289,772
2006 1 $0
2007 2 $0
2008 8 $67,516
2009 2 $2,386
2010 1 $0
2011 2 $8,886
2012 1 $0
2013 3 $4,815
2014 1 $4,304
2017 226 $4,037,460
2018 3 $1,850
2019 1 $0
2020 6 $138,081
2021 3 $0
2022 779 $63,624,016
2023 2 $19,322
2024 309 $14,887,601
2026 2 $0

Years with no recorded claims are omitted from the table.

Top loss years by dollars paid

Year Claims Paid
2022 779 $63,624,016
2024 309 $14,887,601
2017 226 $4,037,460

Related pages