ZIP 34639 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, 744 NFIP flood insurance policies are in force in ZIP 34639 (Land O Lakes, FL), with 123 flood claims recorded since 1978.
Policies & premiums
- Policies in force
- 744
- Median annual premium
- $417
- premium only
- Median annual cost
- $572
- premium + fees & surcharges
- Mean annual premium
- $456
- premium only
- Policies in SFHA zones
- 40.8%
- zones A, AE, AH, AO, V, VE
- Building coverage in force
- $174,580,600
- Contents coverage in force
- $53,368,000
"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 | 435 | 58.5% | |
| AE | 295 | 39.7% | |
| A | 14 | 1.9% |
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 | 687 | 92.3% | |
| Non-residential buildings | 24 | 3.2% | |
| Multi-unit buildings | 18 | 2.4% | |
| Mobile homes | 10 | 1.3% | |
| Units in multi-unit buildings | 5 | 0.7% |
Claims history since 1978
- Claims since 1978
- 123
- Total paid
- $1,570,806
- Paid on buildings
- $1,391,524
- Paid on contents
- $179,282
Claims by year (data table)
| Year | Claims | Paid |
|---|---|---|
| 1986 | 2 | $2,367 |
| 1987 | 1 | $0 |
| 1988 | 2 | $2,908 |
| 1991 | 1 | $0 |
| 1992 | 2 | $0 |
| 1993 | 1 | $0 |
| 1994 | 2 | $4,489 |
| 1995 | 1 | $550 |
| 1997 | 12 | $7,004 |
| 1998 | 26 | $204,933 |
| 1999 | 2 | $0 |
| 2000 | 1 | $5,172 |
| 2001 | 1 | $1,359 |
| 2002 | 5 | $6,212 |
| 2003 | 2 | $1,885 |
| 2004 | 15 | $65,463 |
| 2005 | 1 | $17,674 |
| 2006 | 1 | $7,776 |
| 2010 | 2 | $5,260 |
| 2011 | 3 | $4,640 |
| 2012 | 2 | $7,610 |
| 2013 | 2 | $5,730 |
| 2016 | 3 | $8,578 |
| 2017 | 4 | $35,902 |
| 2018 | 2 | $25,586 |
| 2020 | 1 | $21,515 |
| 2024 | 25 | $1,128,193 |
| 2025 | 1 | $0 |
Years with no recorded claims are omitted from the table.
Top loss years by dollars paid
| Year | Claims | Paid |
|---|---|---|
| 2024 | 25 | $1,128,193 |
| 1998 | 26 | $204,933 |
| 2004 | 15 | $65,463 |
Related pages
- State page: Flood insurance in Florida
- Other ZIPs in Land O Lakes: 34638 , 34637
- Tool: look up another ZIP
- Reading: What is the NFIP? · How these figures are computed