ZIP 34638 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, 1,082 NFIP flood insurance policies are in force in ZIP 34638 (Land O Lakes, FL), with 48 flood claims recorded since 1978.
Policies & premiums
- Policies in force
- 1,082
- Median annual premium
- $414
- premium only
- Median annual cost
- $576
- premium + fees & surcharges
- Mean annual premium
- $463
- premium only
- Policies in SFHA zones
- 45.6%
- zones A, AE, AH, AO, V, VE
- Building coverage in force
- $265,214,600
- Contents coverage in force
- $86,471,000
"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
| Policies | Share | Share bar | |
|---|---|---|---|
| X | 589 | 54.4% | |
| AE | 254 | 23.5% | |
| A | 239 | 22.1% |
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
| Policies | Share | Share bar | |
|---|---|---|---|
| Single-family homes | 971 | 89.7% | |
| Units in multi-unit buildings | 51 | 4.7% | |
| Non-residential buildings | 25 | 2.3% | |
| Multi-unit buildings | 24 | 2.2% | |
| Mobile homes | 11 | 1.0% |
Claims history since 1978
- Claims since 1978
- 48
- Total paid
- $1,161,476
- Paid on buildings
- $1,025,794
- Paid on contents
- $135,682
Claims by year (data table)
| Year | Claims | Paid |
|---|---|---|
| 1992 | 1 | $0 |
| 1995 | 1 | $561 |
| 1997 | 2 | $1,644 |
| 1998 | 3 | $5,299 |
| 2004 | 5 | $76,271 |
| 2011 | 1 | $0 |
| 2012 | 3 | $4,220 |
| 2013 | 2 | $0 |
| 2015 | 2 | $3,439 |
| 2016 | 1 | $0 |
| 2017 | 5 | $33,097 |
| 2019 | 1 | $17,392 |
| 2020 | 3 | $7,288 |
| 2021 | 3 | $24,476 |
| 2022 | 1 | $33,768 |
| 2023 | 1 | $0 |
| 2024 | 12 | $954,021 |
| 2025 | 1 | $0 |
Years with no recorded claims are omitted from the table.
Top loss years by dollars paid
| Year | Claims | Paid |
|---|---|---|
| 2024 | 12 | $954,021 |
| 2004 | 5 | $76,271 |
| 2022 | 1 | $33,768 |
Related pages
- State page: Flood insurance in Florida
- Other ZIPs in Land O Lakes: 34639 , 34637
- Tool: look up another ZIP
- Reading: What is the NFIP? · How these figures are computed