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Flood Figures

ZIP 34637 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, 428 NFIP flood insurance policies are in force in ZIP 34637 (Land O Lakes, FL), with 12 flood claims recorded since 1978.

Policies & premiums

Policies in force
428
Median annual premium
$348
premium only
Median annual cost
$490
premium + fees & surcharges
Mean annual premium
$355
premium only
Policies in SFHA zones
41.6%
zones A, AE, AH, AO, V, VE
Building coverage in force
$105,245,000
Contents coverage in force
$33,482,000

"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 34637 by rated flood zone
Policies Share Share bar
X 250 58.4%
A 116 27.1%
AE 62 14.5%

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 34637 by occupancy type
Policies Share Share bar
Single-family homes 414 96.7%
Units in multi-unit buildings 12 2.8%
Multi-unit buildings 2 0.5%

Claims history since 1978

Claims since 1978
12
Total paid
$264,580
Paid on buildings
$222,280
Paid on contents
$42,300
NFIP claims filed per year in ZIP 34637, 1978–2026. Rust bars mark the top loss years by dollars paid (also listed below).
Claims by year (data table)
YearClaimsPaid
1997 1 $0
1998 1 $8,758
2004 2 $1,469
2015 1 $38,341
2022 1 $0
2024 6 $216,011

Years with no recorded claims are omitted from the table.

Top loss years by dollars paid

Year Claims Paid
2024 6 $216,011
2015 1 $38,341
1998 1 $8,758

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