ZIP 34429 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, 1,812 NFIP flood insurance policies are in force in ZIP 34429 (Crystal River, FL), with 3,020 flood claims recorded since 1978.

Policies & premiums

Policies in force: 1,812
Median annual premium: $2,400; premium only
Median annual cost: $2,400; premium + fees & surcharges
Mean annual premium: $3,118; premium only
Policies in SFHA zones: 97.3%; zones A, AE, AH, AO, V, VE
Building coverage in force: $347,650,200
Contents coverage in force: $51,995,000

"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 34429 by rated flood zone
	Policies	Share
AE	1,538	84.9%
A	193	10.7%
X	40	2.2%
VE	36	2.0%
A11	5	0.3%

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 34429 by occupancy type
	Policies	Share
Single-family homes	843	46.5%
Multi-unit buildings	654	36.1%
Non-residential buildings	150	8.3%
Mobile homes	86	4.7%
Units in multi-unit buildings	79	4.4%

Claims history since 1978

Claims since 1978: 3,020
Total paid: $200,808,217
Paid on buildings: $175,885,753
Paid on contents: $24,255,181

NFIP claims filed per year in ZIP 34429, 1978–2026. Rust bars mark the top loss years by dollars paid (also listed below).

Claims by year (data table)

Year	Claims	Paid
1978	2	$1,978
1983	3	$1,364
1984	5	$1,478
1985	21	$75,429
1988	2	$11,753
1992	3	$4,572
1993	663	$21,322,775
1994	7	$1,683
1995	47	$144,276
1996	406	$5,994,023
1998	12	$26,454
2000	1	$500
2001	1	$0
2002	1	$0
2003	10	$48,774
2004	22	$252,609
2005	3	$17,830
2006	41	$738,550
2007	1	$0
2008	1	$0
2010	1	$1,030
2012	11	$108,091
2015	2	$41,899
2016	514	$25,655,196
2017	11	$57,198
2018	2	$7,380
2021	3	$11,006
2022	2	$0
2023	506	$63,453,980
2024	715	$82,828,390
2025	1	$0

Years with no recorded claims are omitted from the table.

Top loss years by dollars paid

Year	Claims	Paid
2024	715	$82,828,390
2023	506	$63,453,980
2016	514	$25,655,196

State page: Flood insurance in Florida
Other ZIPs in Crystal River: 34428
Tool: look up another ZIP
Reading: What is the NFIP? · How these figures are computed