ZIP 34609 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, 354 NFIP flood insurance policies are in force in ZIP 34609 (Spring Hill, FL), with 25 flood claims recorded since 1978.

Policies & premiums

Policies in force: 354
Median annual premium: $442; premium only
Median annual cost: $624; premium + fees & surcharges
Mean annual premium: $497; premium only
Policies in SFHA zones: 5.9%; zones A, AE, AH, AO, V, VE
Building coverage in force: $85,747,000
Contents coverage in force: $25,004,000

"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 34609 by rated flood zone
	Policies	Share
X	333	94.1%
AE	19	5.4%
A	2	0.6%

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 34609 by occupancy type
	Policies	Share
Single-family homes	337	95.2%
Non-residential buildings	13	3.7%
Multi-unit buildings	2	0.6%
Units in multi-unit buildings	2	0.6%

Claims history since 1978

Claims since 1978: 25
Total paid: $262,467
Paid on buildings: $241,950
Paid on contents: $20,517

NFIP claims filed per year in ZIP 34609, 1978–2026. Rust bars mark the top loss years by dollars paid (also listed below).

Claims by year (data table)

Year	Claims	Paid
1982	1	$8,323
1985	1	$1,968
2004	2	$48,406
2011	1	$0
2012	8	$100,121
2014	2	$0
2015	3	$8,241
2016	1	$7,038
2017	1	$22,128
2018	2	$0
2022	1	$0
2024	2	$66,243

Years with no recorded claims are omitted from the table.

Top loss years by dollars paid

Year	Claims	Paid
2012	8	$100,121
2024	2	$66,243
2004	2	$48,406

State page: Flood insurance in Florida
Other ZIPs in Spring Hill: 34607 , 34606 , 34610 , 34608
Tool: look up another ZIP
Reading: What is the NFIP? · How these figures are computed