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Flood Figures

ZIP 34208 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, 2,547 NFIP flood insurance policies are in force in ZIP 34208 (Bradenton, FL), with 697 flood claims recorded since 1978.

Policies & premiums

Policies in force
2,547
Median annual premium
$1,299
premium only
Median annual cost
$1,644
premium + fees & surcharges
Mean annual premium
$1,660
premium only
Policies in SFHA zones
84.2%
zones A, AE, AH, AO, V, VE
Building coverage in force
$591,029,800
Contents coverage in force
$125,068,000

"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 34208 by rated flood zone
Policies Share Share bar
AE 1,916 75.2%
X 369 14.5%
A 228 9.0%
VE 22 0.9%
A08 6 0.2%
AO 4 0.2%
V 2 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 34208 by occupancy type
Policies Share Share bar
Single-family homes 1,698 66.7%
Multi-unit buildings 652 25.6%
Non-residential buildings 103 4.0%
Units in multi-unit buildings 61 2.4%
Mobile homes 33 1.3%

Claims history since 1978

Claims since 1978
697
Total paid
$25,780,799
Paid on buildings
$22,115,833
Paid on contents
$3,664,966
NFIP claims filed per year in ZIP 34208, 1978–2026. Rust bars mark the top loss years by dollars paid (also listed below).
Claims by year (data table)
YearClaimsPaid
1980 1 $0
1981 3 $4,542
1982 7 $8,806
1983 2 $139
1985 15 $37,895
1986 1 $73
1988 8 $10,062
1989 1 $246
1992 6 $5,542
1993 62 $740,254
1996 18 $282,917
1997 17 $69,261
1998 9 $54,199
2000 1 $9,531
2001 76 $996,067
2002 1 $416
2003 17 $156,501
2004 101 $2,079,629
2005 3 $0
2006 1 $0
2007 2 $100,008
2008 1 $0
2009 10 $250,974
2012 1 $0
2014 3 $26,195
2015 2 $0
2016 11 $399,013
2017 22 $447,204
2020 9 $210,098
2021 1 $0
2022 4 $6,605
2023 29 $1,529,220
2024 251 $18,355,401
2025 1 $0

Years with no recorded claims are omitted from the table.

Top loss years by dollars paid

Year Claims Paid
2024 251 $18,355,401
2004 101 $2,079,629
2023 29 $1,529,220

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