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Flood Figures

ZIP 34949 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, 4,811 NFIP flood insurance policies are in force in ZIP 34949 (Fort Pierce, FL), with 1,187 flood claims recorded since 1978.

Policies & premiums

Policies in force
4,811
Median annual premium
$983
premium only
Median annual cost
$1,306
premium + fees & surcharges
Mean annual premium
$2,342
premium only
Policies in SFHA zones
45.1%
zones A, AE, AH, AO, V, VE
Building coverage in force
$1,072,835,000
Contents coverage in force
$92,359,000

"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 34949 by rated flood zone
Policies Share Share bar
X 2,877 59.8%
AE 1,516 31.5%
AO 333 6.9%
VE 84 1.7%
A10 1 0.0%

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 34949 by occupancy type
Policies Share Share bar
Multi-unit buildings 3,491 72.6%
Single-family homes 828 17.2%
Units in multi-unit buildings 361 7.5%
Non-residential buildings 105 2.2%
Mobile homes 26 0.5%

Claims history since 1978

Claims since 1978
1,187
Total paid
$29,496,846
Paid on buildings
$24,528,818
Paid on contents
$4,813,071
NFIP claims filed per year in ZIP 34949, 1978–2026. Rust bars mark the top loss years by dollars paid (also listed below).
Claims by year (data table)
YearClaimsPaid
1979 10 $5,773
1982 6 $2,742
1984 24 $42,377
1985 21 $45,236
1986 1 $0
1987 3 $2,211
1989 1 $500
1994 4 $0
1995 6 $5,240
1996 3 $2,857
1999 31 $90,156
2000 1 $0
2001 2 $0
2004 973 $28,195,216
2005 16 $87,410
2006 2 $0
2007 1 $0
2008 18 $56,629
2011 1 $0
2012 2 $0
2014 1 $0
2016 7 $7,382
2017 44 $950,726
2018 1 $0
2020 3 $0
2022 4 $2,389
2024 1 $0

Years with no recorded claims are omitted from the table.

Top loss years by dollars paid

Year Claims Paid
2004 973 $28,195,216
2017 44 $950,726
1999 31 $90,156

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