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Flood Figures

ZIP 34205 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, 963 NFIP flood insurance policies are in force in ZIP 34205 (Bradenton, FL), with 381 flood claims recorded since 1978.

Policies & premiums

Policies in force
963
Median annual premium
$600
premium only
Median annual cost
$867
premium + fees & surcharges
Mean annual premium
$1,337
premium only
Policies in SFHA zones
55.4%
zones A, AE, AH, AO, V, VE
Building coverage in force
$213,030,000
Contents coverage in force
$48,546,000

"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 34205 by rated flood zone
Policies Share Share bar
AE 614 63.8%
X 323 33.5%
A 15 1.6%
VE 7 0.7%
C 3 0.3%
A02 1 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 34205 by occupancy type
Policies Share Share bar
Single-family homes 517 53.7%
Multi-unit buildings 299 31.0%
Non-residential buildings 71 7.4%
Units in multi-unit buildings 53 5.5%
Mobile homes 23 2.4%

Claims history since 1978

Claims since 1978
381
Total paid
$11,557,137
Paid on buildings
$9,653,473
Paid on contents
$1,889,733
NFIP claims filed per year in ZIP 34205, 1978–2026. Rust bars mark the top loss years by dollars paid (also listed below).
Claims by year (data table)
YearClaimsPaid
1979 1 $2,897
1980 2 $1,271
1982 6 $14,448
1985 8 $17,497
1987 1 $3,208
1988 19 $124,730
1990 7 $27,621
1992 17 $165,592
1993 16 $90,296
1994 4 $10,148
1996 4 $166,879
1997 77 $781,624
1998 21 $153,961
1999 6 $23,318
2001 24 $291,532
2002 4 $20,679
2003 26 $245,250
2004 8 $32,302
2010 1 $0
2012 4 $43,658
2013 2 $8,795
2015 1 $0
2016 15 $223,571
2017 21 $319,103
2019 1 $11,528
2022 7 $25,706
2023 4 $293,801
2024 73 $8,457,722
2026 1 $0

Years with no recorded claims are omitted from the table.

Top loss years by dollars paid

Year Claims Paid
2024 73 $8,457,722
1997 77 $781,624
2017 21 $319,103

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