Skip to content
Flood Figures

ZIP 34145 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, 11,660 NFIP flood insurance policies are in force in ZIP 34145 (Marco Island, FL), with 2,017 flood claims recorded since 1978.

Policies & premiums

Policies in force
11,660
Median annual premium
$1,609
premium only
Median annual cost
$1,991
premium + fees & surcharges
Mean annual premium
$2,743
premium only
Policies in SFHA zones
98.6%
zones A, AE, AH, AO, V, VE
Building coverage in force
$2,639,083,600
Contents coverage in force
$451,442,000

"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 34145 by rated flood zone
Policies Share Share bar
AE 10,949 93.9%
X 663 5.7%
VE 46 0.4%
A 1 0.0%
AH 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 34145 by occupancy type
Policies Share Share bar
Single-family homes 5,415 46.4%
Multi-unit buildings 5,410 46.4%
Units in multi-unit buildings 544 4.7%
Non-residential buildings 291 2.5%

Claims history since 1978

Claims since 1978
2,017
Total paid
$49,946,575
Paid on buildings
$45,545,289
Paid on contents
$4,401,286
NFIP claims filed per year in ZIP 34145, 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 6 $0
1985 3 $1,295
1987 1 $0
1988 4 $0
1992 38 $820
1993 3 $800
1994 1 $0
1995 13 $3,996
1996 4 $721
1997 1 $0
1998 11 $2,288
1999 6 $1,775
2000 2 $0
2001 22 $53,064
2002 1 $0
2003 3 $22,615
2004 5 $0
2005 119 $109,480
2006 2 $0
2008 17 $78,360
2010 1 $0
2011 1 $0
2012 4 $0
2013 2 $0
2014 1 $0
2015 1 $0
2016 1 $0
2017 546 $9,667,935
2018 3 $0
2019 2 $0
2020 4 $0
2021 1 $0
2022 1,070 $38,602,352
2023 4 $18,296
2024 111 $1,382,778
2025 2 $0

Years with no recorded claims are omitted from the table.

Top loss years by dollars paid

Year Claims Paid
2022 1,070 $38,602,352
2017 546 $9,667,935
2024 111 $1,382,778

Related pages