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Flood Figures

ZIP 34607 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, 1,590 NFIP flood insurance policies are in force in ZIP 34607 (Spring Hill, FL), with 2,533 flood claims recorded since 1978.

Policies & premiums

Policies in force
1,590
Median annual premium
$2,400
premium only
Median annual cost
$2,400
premium + fees & surcharges
Mean annual premium
$2,700
premium only
Policies in SFHA zones
94.7%
zones A, AE, AH, AO, V, VE
Building coverage in force
$315,903,400
Contents coverage in force
$46,733,000

"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 34607 by rated flood zone
Policies Share Share bar
AE 1,109 69.7%
A 313 19.7%
X 84 5.3%
VE 64 4.0%
V 15 0.9%
V13 3 0.2%
A10 2 0.1%

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 34607 by occupancy type
Policies Share Share bar
Single-family homes 1,157 72.8%
Multi-unit buildings 328 20.6%
Mobile homes 64 4.0%
Non-residential buildings 39 2.5%
Units in multi-unit buildings 2 0.1%

Claims history since 1978

Claims since 1978
2,533
Total paid
$114,843,047
Paid on buildings
$96,646,178
Paid on contents
$17,816,331
NFIP claims filed per year in ZIP 34607, 1978–2026. Rust bars mark the top loss years by dollars paid (also listed below).
Claims by year (data table)
YearClaimsPaid
1978 4 $1,013
1979 3 $944
1982 3 $3,983
1983 5 $8,052
1984 3 $431
1985 83 $419,103
1988 2 $2,930
1992 5 $5,000
1993 775 $21,688,314
1994 1 $22,000
1995 3 $38,948
1996 201 $2,298,921
1997 1 $0
1998 2 $1,525
1999 1 $0
2000 2 $200
2001 2 $3,834
2002 3 $3,943
2003 6 $32,666
2004 39 $337,613
2005 2 $664
2006 1 $2,070
2010 1 $0
2012 11 $22,383
2013 1 $0
2015 1 $0
2016 224 $7,812,398
2017 8 $34,051
2018 1 $4,273
2019 1 $0
2021 1 $0
2022 3 $0
2023 289 $16,454,007
2024 845 $65,643,780

Years with no recorded claims are omitted from the table.

Top loss years by dollars paid

Year Claims Paid
2024 845 $65,643,780
1993 775 $21,688,314
2023 289 $16,454,007

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