Skip to content
Flood Figures

ZIP 34232 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, 1,934 NFIP flood insurance policies are in force in ZIP 34232 (Sarasota, FL), with 741 flood claims recorded since 1978.

Policies & premiums

Policies in force
1,934
Median annual premium
$773
premium only
Median annual cost
$1,020
premium + fees & surcharges
Mean annual premium
$957
premium only
Policies in SFHA zones
51.7%
zones A, AE, AH, AO, V, VE
Building coverage in force
$443,398,400
Contents coverage in force
$125,606,000

"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 34232 by rated flood zone
Policies Share Share bar
X 903 46.7%
AE 889 46.0%
A 141 7.3%
AH 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 34232 by occupancy type
Policies Share Share bar
Single-family homes 1,449 74.9%
Multi-unit buildings 325 16.8%
Non-residential buildings 88 4.6%
Units in multi-unit buildings 65 3.4%
Mobile homes 7 0.4%

Claims history since 1978

Claims since 1978
741
Total paid
$20,126,651
Paid on buildings
$17,309,109
Paid on contents
$2,797,543
NFIP claims filed per year in ZIP 34232, 1978–2026. Rust bars mark the top loss years by dollars paid (also listed below).
Claims by year (data table)
YearClaimsPaid
1981 2 $205
1982 1 $0
1985 1 $12,546
1987 3 $166
1988 1 $0
1989 1 $0
1991 1 $709
1992 254 $2,470,857
1993 1 $922
1995 34 $354,826
1996 1 $1,570
1997 62 $359,339
1998 2 $0
2000 1 $0
2001 43 $460,923
2002 2 $3,035
2003 10 $28,910
2004 1 $4,479
2005 2 $11,919
2007 1 $0
2008 1 $0
2012 2 $0
2013 2 $6,368
2014 1 $0
2015 2 $2,648
2016 2 $0
2017 3 $2,181
2018 2 $4,582
2019 2 $21,303
2020 3 $9,720
2022 15 $43,281
2024 280 $16,326,162
2025 2 $0

Years with no recorded claims are omitted from the table.

Top loss years by dollars paid

Year Claims Paid
2024 280 $16,326,162
1992 254 $2,470,857
2001 43 $460,923

Related pages