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Flood Figures

ZIP 34453 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, 140 NFIP flood insurance policies are in force in ZIP 34453 (Inverness, FL), with 8 flood claims recorded since 1978.

Policies & premiums

Policies in force
140
Median annual premium
$477
premium only
Median annual cost
$694
premium + fees & surcharges
Mean annual premium
$577
premium only
Policies in SFHA zones
64.3%
zones A, AE, AH, AO, V, VE
Building coverage in force
$29,139,600
Contents coverage in force
$7,564,000

"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 34453 by rated flood zone
Policies Share Share bar
AE 86 61.4%
X 49 35.0%
AHB 2 1.4%
A 2 1.4%
C 1 0.7%

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 34453 by occupancy type
Policies Share Share bar
Single-family homes 108 77.1%
Mobile homes 19 13.6%
Multi-unit buildings 6 4.3%
Non-residential buildings 5 3.6%
Units in multi-unit buildings 2 1.4%

Claims history since 1978

Claims since 1978
8
Total paid
$80,070
Paid on buildings
$79,968
Paid on contents
$102
NFIP claims filed per year in ZIP 34453, 1978–2026. Rust bars mark the top loss years by dollars paid (also listed below).
Claims by year (data table)
YearClaimsPaid
2004 5 $66,543
2021 2 $0
2024 1 $13,527

Years with no recorded claims are omitted from the table.

Top loss years by dollars paid

Year Claims Paid
2004 5 $66,543
2024 1 $13,527
2021 2 $0

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