Skip to content
Flood Figures

ZIP 34221 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, 3,889 NFIP flood insurance policies are in force in ZIP 34221 (Palmetto, FL), with 932 flood claims recorded since 1978.

Policies & premiums

Policies in force
3,889
Median annual premium
$1,185
premium only
Median annual cost
$1,516
premium + fees & surcharges
Mean annual premium
$1,673
premium only
Policies in SFHA zones
71.8%
zones A, AE, AH, AO, V, VE
Building coverage in force
$860,960,600
Contents coverage in force
$176,294,000

"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 34221 by rated flood zone
Policies Share Share bar
AE 2,578 66.3%
X 1,004 25.8%
A 241 6.2%
VE 32 0.8%
A10 12 0.3%
A08 7 0.2%
V 4 0.1%
C 4 0.1%
AO 3 0.1%
A11 2 0.1%
B 1 0.0%
V12 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 34221 by occupancy type
Policies Share Share bar
Single-family homes 2,290 58.9%
Multi-unit buildings 1,123 28.9%
Mobile homes 240 6.2%
Non-residential buildings 149 3.8%
Units in multi-unit buildings 87 2.2%

Claims history since 1978

Claims since 1978
932
Total paid
$42,354,633
Paid on buildings
$36,985,139
Paid on contents
$5,369,494
NFIP claims filed per year in ZIP 34221, 1978–2026. Rust bars mark the top loss years by dollars paid (also listed below).
Claims by year (data table)
YearClaimsPaid
1978 2 $445
1979 2 $1,838
1981 3 $382
1982 6 $5,221
1985 10 $56,742
1988 17 $24,830
1992 15 $32,247
1993 43 $354,032
1994 1 $1,385
1995 8 $18,030
1996 19 $139,182
1997 43 $163,558
1998 38 $31,238
1999 1 $3,710
2000 2 $2,545
2001 38 $445,156
2002 14 $58,514
2003 9 $41,034
2004 30 $215,236
2005 2 $6,476
2007 1 $0
2009 3 $7,793
2011 1 $365
2012 4 $3,411
2013 1 $1,145
2016 1 $13,951
2017 12 $13,041
2019 1 $20,000
2020 10 $147,493
2022 17 $132,270
2023 15 $532,157
2024 562 $39,881,206
2025 1 $0

Years with no recorded claims are omitted from the table.

Top loss years by dollars paid

Year Claims Paid
2024 562 $39,881,206
2023 15 $532,157
2001 38 $445,156

Related pages