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Flood Figures

ZIP 34610 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, 302 NFIP flood insurance policies are in force in ZIP 34610 (Spring Hill, FL), with 13 flood claims recorded since 1978.

Policies & premiums

Policies in force
302
Median annual premium
$463
premium only
Median annual cost
$643
premium + fees & surcharges
Mean annual premium
$598
premium only
Policies in SFHA zones
75.2%
zones A, AE, AH, AO, V, VE
Building coverage in force
$60,972,800
Contents coverage in force
$15,596,000

"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 34610 by rated flood zone
Policies Share Share bar
A 198 65.6%
X 75 24.8%
AE 29 9.6%

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 34610 by occupancy type
Policies Share Share bar
Single-family homes 221 73.2%
Mobile homes 68 22.5%
Non-residential buildings 10 3.3%
Multi-unit buildings 3 1.0%

Claims history since 1978

Claims since 1978
13
Total paid
$46,346
Paid on buildings
$39,563
Paid on contents
$6,783
NFIP claims filed per year in ZIP 34610, 1978–2026. Rust bars mark the top loss years by dollars paid (also listed below).
Claims by year (data table)
YearClaimsPaid
1992 1 $1,229
1993 2 $10,356
2004 1 $0
2013 3 $18,399
2014 2 $0
2016 2 $3,741
2017 1 $0
2024 1 $12,621

Years with no recorded claims are omitted from the table.

Top loss years by dollars paid

Year Claims Paid
2013 3 $18,399
2024 1 $12,621
1993 2 $10,356

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