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Flood Figures

ZIP 34481 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, 377 NFIP flood insurance policies are in force in ZIP 34481 (Ocala, FL), with 9 flood claims recorded since 1978.

Policies & premiums

Policies in force
377
Median annual premium
$381
premium only
Median annual cost
$529
premium + fees & surcharges
Mean annual premium
$439
premium only
Policies in SFHA zones
6.1%
zones A, AE, AH, AO, V, VE
Building coverage in force
$80,054,000
Contents coverage in force
$30,040,000

"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 34481 by rated flood zone
Policies Share Share bar
X 354 93.9%
AE 23 6.1%

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 34481 by occupancy type
Policies Share Share bar
Single-family homes 312 82.8%
Units in multi-unit buildings 58 15.4%
Non-residential buildings 4 1.1%
Mobile homes 3 0.8%

Claims history since 1978

Claims since 1978
9
Total paid
$80,865
Paid on buildings
$60,865
Paid on contents
$20,000
NFIP claims filed per year in ZIP 34481, 1978–2026. Rust bars mark the top loss years by dollars paid (also listed below).
Claims by year (data table)
YearClaimsPaid
1992 1 $10,865
2004 2 $70,000
2017 5 $0
2024 1 $0

Years with no recorded claims are omitted from the table.

Top loss years by dollars paid

Year Claims Paid
2004 2 $70,000
1992 1 $10,865
2017 5 $0

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