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Flood Figures

ZIP 34209 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, 3,569 NFIP flood insurance policies are in force in ZIP 34209 (Bradenton, FL), with 417 flood claims recorded since 1978.

Policies & premiums

Policies in force
3,569
Median annual premium
$835
premium only
Median annual cost
$1,079
premium + fees & surcharges
Mean annual premium
$1,326
premium only
Policies in SFHA zones
45.1%
zones A, AE, AH, AO, V, VE
Building coverage in force
$822,212,000
Contents coverage in force
$175,087,000

"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 34209 by rated flood zone
Policies Share Share bar
AE 2,010 56.3%
X 1,481 41.5%
A 44 1.2%
VE 13 0.4%
B 6 0.2%
C 4 0.1%
A08 3 0.1%
A11 2 0.1%
AH 2 0.1%
A12 2 0.1%
A13 1 0.0%
A10 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 34209 by occupancy type
Policies Share Share bar
Single-family homes 1,828 51.2%
Multi-unit buildings 1,198 33.6%
Units in multi-unit buildings 464 13.0%
Non-residential buildings 51 1.4%
Mobile homes 28 0.8%

Claims history since 1978

Claims since 1978
417
Total paid
$21,882,945
Paid on buildings
$19,012,434
Paid on contents
$2,870,512
NFIP claims filed per year in ZIP 34209, 1978–2026. Rust bars mark the top loss years by dollars paid (also listed below).
Claims by year (data table)
YearClaimsPaid
1979 1 $0
1981 2 $1,502
1982 3 $268
1983 1 $6,484
1985 7 $1,329
1986 2 $0
1988 16 $14,740
1992 34 $88,722
1993 9 $20,603
1994 1 $0
1996 3 $2,112
1997 5 $25,572
1998 10 $13,993
2000 3 $368
2001 22 $22,874
2002 2 $0
2003 6 $19,165
2004 2 $0
2007 1 $0
2011 2 $0
2012 9 $14,411
2013 2 $0
2014 1 $0
2015 1 $33,320
2016 1 $0
2017 8 $15,696
2019 1 $0
2020 4 $5,855
2022 20 $0
2023 2 $39,078
2024 236 $21,556,854

Years with no recorded claims are omitted from the table.

Top loss years by dollars paid

Year Claims Paid
2024 236 $21,556,854
1992 34 $88,722
2023 2 $39,078

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