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Flood Figures

ZIP 34138 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, 55 NFIP flood insurance policies are in force in ZIP 34138 (Chokoloskee, FL), with 95 flood claims recorded since 1978.

Policies & premiums

Policies in force
55
Median annual premium
$1,281
premium only
Median annual cost
$1,808
premium + fees & surcharges
Mean annual premium
$1,997
premium only
Policies in SFHA zones
97.8%
zones A, AE, AH, AO, V, VE
Building coverage in force
$10,899,000
Contents coverage in force
$1,098,000

"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 34138 by rated flood zone
Policies Share Share bar
VE 32 58.2%
AE 22 40.0%
X 1 1.8%

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 34138 by occupancy type
Policies Share Share bar
Single-family homes 23 41.8%
Multi-unit buildings 20 36.4%
Mobile homes 9 16.4%
Non-residential buildings 3 5.5%

Claims history since 1978

Claims since 1978
95
Total paid
$1,929,643
Paid on buildings
$1,532,999
Paid on contents
$276,645
NFIP claims filed per year in ZIP 34138, 1978–2026. Rust bars mark the top loss years by dollars paid (also listed below).
Claims by year (data table)
YearClaimsPaid
2001 1 $9,816
2005 54 $988,284
2006 1 $0
2017 33 $684,561
2022 6 $246,983

Years with no recorded claims are omitted from the table.

Top loss years by dollars paid

Year Claims Paid
2005 54 $988,284
2017 33 $684,561
2022 6 $246,983

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