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Flood Figures

ZIP 34236 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, 3,503 NFIP flood insurance policies are in force in ZIP 34236 (Sarasota, FL), with 1,179 flood claims recorded since 1978.

Policies & premiums

Policies in force
3,503
Median annual premium
$2,546
premium only
Median annual cost
$3,212
premium + fees & surcharges
Mean annual premium
$3,780
premium only
Policies in SFHA zones
76.0%
zones A, AE, AH, AO, V, VE
Building coverage in force
$808,498,600
Contents coverage in force
$113,463,000

"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 34236 by rated flood zone
Policies Share Share bar
AE 2,326 66.4%
X 1,004 28.7%
VE 104 3.0%
A 55 1.6%
A13 12 0.3%
AO 1 0.0%
B 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 34236 by occupancy type
Policies Share Share bar
Multi-unit buildings 2,239 63.9%
Single-family homes 817 23.3%
Non-residential buildings 227 6.5%
Units in multi-unit buildings 220 6.3%

Claims history since 1978

Claims since 1978
1,179
Total paid
$108,368,948
Paid on buildings
$95,868,450
Paid on contents
$12,500,498
NFIP claims filed per year in ZIP 34236, 1978–2026. Rust bars mark the top loss years by dollars paid (also listed below).
Claims by year (data table)
YearClaimsPaid
1978 7 $18,748
1979 6 $1,706
1981 13 $11,810
1982 42 $157,912
1983 6 $3,049
1985 67 $582,428
1987 9 $119,400
1988 27 $81,199
1989 3 $0
1992 63 $213,501
1993 19 $354,645
1994 2 $0
1995 14 $157,934
1996 28 $359,425
1997 7 $43,125
1998 3 $786
1999 5 $0
2000 8 $180,941
2001 22 $85,939
2003 9 $15,952
2004 3 $5,500
2005 2 $0
2006 1 $0
2008 1 $0
2012 5 $12,124
2013 1 $0
2015 1 $0
2016 1 $0
2017 14 $21,490
2018 1 $0
2020 6 $1,693,995
2022 8 $224,126
2023 31 $3,780,072
2024 744 $100,243,141

Years with no recorded claims are omitted from the table.

Top loss years by dollars paid

Year Claims Paid
2024 744 $100,243,141
2023 31 $3,780,072
2020 6 $1,693,995

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