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Flood Figures

ZIP 34773 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, 150 NFIP flood insurance policies are in force in ZIP 34773 (Saint Cloud, FL), with 1 flood claims recorded since 1978.

Policies & premiums

Policies in force
150
Median annual premium
$497
premium only
Median annual cost
$684
premium + fees & surcharges
Mean annual premium
$568
premium only
Policies in SFHA zones
59.3%
zones A, AE, AH, AO, V, VE
Building coverage in force
$29,996,600
Contents coverage in force
$8,087,000

"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 34773 by rated flood zone
Policies Share Share bar
A 79 52.7%
X 61 40.7%
AE 10 6.7%

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 34773 by occupancy type
Policies Share Share bar
Single-family homes 91 60.7%
Mobile homes 58 38.7%
Multi-unit buildings 1 0.7%

Claims history since 1978

Claims since 1978
1
Total paid
$21,221
Paid on buildings
$21,221
Paid on contents
$0
NFIP claims filed per year in ZIP 34773, 1978–2026. Rust bars mark the top loss years by dollars paid (also listed below).
Claims by year (data table)
YearClaimsPaid
2004 1 $21,221

Years with no recorded claims are omitted from the table.

Top loss years by dollars paid

Year Claims Paid
2004 1 $21,221

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