ZIP 34945 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, 133 NFIP flood insurance policies are in force in ZIP 34945 (Fort Pierce, FL), with 43 flood claims recorded since 1978.

Policies & premiums

Policies in force: 133
Median annual premium: $570; premium only
Median annual cost: $782; premium + fees & surcharges
Mean annual premium: $635; premium only
Policies in SFHA zones: 42.1%; zones A, AE, AH, AO, V, VE
Building coverage in force: $29,367,000
Contents coverage in force: $9,697,000

"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 34945 by rated flood zone
	Policies	Share
X	76	57.1%
AE	38	28.6%
A	18	13.5%
C	1	0.8%

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 34945 by occupancy type
	Policies	Share
Single-family homes	101	75.9%
Non-residential buildings	24	18.0%
Mobile homes	8	6.0%

Claims history since 1978

Claims since 1978: 43
Total paid: $2,517,231
Paid on buildings: $1,981,758
Paid on contents: $535,473

NFIP claims filed per year in ZIP 34945, 1978–2026. Rust bars mark the top loss years by dollars paid (also listed below).

Claims by year (data table)

Year	Claims	Paid
1979	1	$547
1985	3	$50,217
1999	1	$21,530
2002	1	$515
2004	6	$83,310
2005	1	$0
2008	7	$496,423
2015	1	$0
2017	22	$1,864,688

Years with no recorded claims are omitted from the table.

Top loss years by dollars paid

Year	Claims	Paid
2017	22	$1,864,688
2008	7	$496,423
2004	6	$83,310

State page: Flood insurance in Florida
Other ZIPs in Fort Pierce: 34949 , 34982 , 34951 , 34947 , 34946
Tool: look up another ZIP
Reading: What is the NFIP? · How these figures are computed