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Flood Figures

ZIP 34234 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, 723 NFIP flood insurance policies are in force in ZIP 34234 (Sarasota, FL), with 184 flood claims recorded since 1978.

Policies & premiums

Policies in force
723
Median annual premium
$859
premium only
Median annual cost
$1,187
premium + fees & surcharges
Mean annual premium
$1,647
premium only
Policies in SFHA zones
48.1%
zones A, AE, AH, AO, V, VE
Building coverage in force
$164,535,200
Contents coverage in force
$48,451,000

"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 34234 by rated flood zone
Policies Share Share bar
AE 347 48.0%
X 345 47.7%
A 27 3.7%
VE 4 0.6%

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 34234 by occupancy type
Policies Share Share bar
Single-family homes 405 56.0%
Multi-unit buildings 131 18.1%
Non-residential buildings 96 13.3%
Mobile homes 50 6.9%
Units in multi-unit buildings 41 5.7%

Claims history since 1978

Claims since 1978
184
Total paid
$5,817,757
Paid on buildings
$4,853,920
Paid on contents
$963,838
NFIP claims filed per year in ZIP 34234, 1978–2026. Rust bars mark the top loss years by dollars paid (also listed below).
Claims by year (data table)
YearClaimsPaid
1978 1 $0
1980 2 $0
1981 7 $10,291
1982 7 $36,557
1985 8 $66,341
1987 9 $40,464
1988 4 $1,983
1992 14 $152,412
1993 14 $145,811
1995 7 $10,389
1996 3 $96,145
1997 1 $4,650
1998 2 $85,842
2000 1 $11,319
2001 6 $15,263
2003 4 $73,806
2004 5 $199,012
2007 2 $31,664
2012 1 $1,691
2013 3 $71,461
2016 3 $57,628
2017 9 $65,807
2018 1 $0
2020 2 $2,526
2022 8 $58,602
2023 2 $8,781
2024 58 $4,569,314

Years with no recorded claims are omitted from the table.

Top loss years by dollars paid

Year Claims Paid
2024 58 $4,569,314
2004 5 $199,012
1992 14 $152,412

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