Skip to content
Flood Figures

ZIP 34231 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, 3,465 NFIP flood insurance policies are in force in ZIP 34231 (Sarasota, FL), with 700 flood claims recorded since 1978.

Policies & premiums

Policies in force
3,465
Median annual premium
$861
premium only
Median annual cost
$1,200
premium + fees & surcharges
Mean annual premium
$1,812
premium only
Policies in SFHA zones
40.6%
zones A, AE, AH, AO, V, VE
Building coverage in force
$761,244,600
Contents coverage in force
$159,725,000

"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 34231 by rated flood zone
Policies Share Share bar
X 2,073 59.8%
AE 1,330 38.4%
A 46 1.3%
VE 14 0.4%
AH 1 0.0%
A13 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 34231 by occupancy type
Policies Share Share bar
Single-family homes 1,574 45.4%
Multi-unit buildings 1,348 38.9%
Units in multi-unit buildings 433 12.5%
Non-residential buildings 92 2.7%
Mobile homes 18 0.5%

Claims history since 1978

Claims since 1978
700
Total paid
$24,614,734
Paid on buildings
$21,220,535
Paid on contents
$3,379,199
NFIP claims filed per year in ZIP 34231, 1978–2026. Rust bars mark the top loss years by dollars paid (also listed below).
Claims by year (data table)
YearClaimsPaid
1979 2 $148
1980 1 $118
1981 5 $348
1982 12 $7,538
1983 6 $1,354
1985 3 $2,812
1987 3 $5,437
1988 5 $48,091
1992 83 $444,445
1993 12 $32,081
1994 1 $0
1995 69 $553,651
1996 7 $50,386
1997 28 $426,684
1998 18 $40,021
1999 5 $2,169
2000 3 $750
2001 31 $209,956
2002 3 $4,294
2003 14 $52,754
2004 2 $0
2005 7 $50,774
2006 2 $0
2007 1 $0
2009 2 $38,280
2010 1 $0
2011 1 $0
2012 3 $11,984
2013 4 $2,906
2014 2 $0
2015 1 $4,500
2016 6 $51,525
2017 22 $383,325
2018 3 $165,617
2019 1 $0
2020 7 $81,913
2021 1 $47,102
2022 9 $49,707
2023 2 $0
2024 309 $21,844,063
2025 3 $0

Years with no recorded claims are omitted from the table.

Top loss years by dollars paid

Year Claims Paid
2024 309 $21,844,063
1995 69 $553,651
1992 83 $444,445

Related pages