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Flood Figures

ZIP 34981 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, 165 NFIP flood insurance policies are in force in ZIP 34981 (Fort Pierce, FL), with 207 flood claims recorded since 1978.

Policies & premiums

Policies in force
165
Median annual premium
$703
premium only
Median annual cost
$955
premium + fees & surcharges
Mean annual premium
$796
premium only
Policies in SFHA zones
47.9%
zones A, AE, AH, AO, V, VE
Building coverage in force
$39,588,000
Contents coverage in force
$14,045,000

"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 34981 by rated flood zone
Policies Share Share bar
X 86 52.1%
AE 77 46.7%
AH 2 1.2%

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 34981 by occupancy type
Policies Share Share bar
Single-family homes 156 94.5%
Non-residential buildings 9 5.5%

Claims history since 1978

Claims since 1978
207
Total paid
$5,449,675
Paid on buildings
$4,189,286
Paid on contents
$1,217,088
NFIP claims filed per year in ZIP 34981, 1978–2026. Rust bars mark the top loss years by dollars paid (also listed below).
Claims by year (data table)
YearClaimsPaid
1979 6 $46,191
1981 3 $2,490
1983 2 $656
1985 14 $424,507
1987 6 $67,492
1994 2 $3,735
1995 15 $251,452
1996 3 $25,668
1999 11 $137,917
2001 3 $55,415
2004 33 $727,248
2005 13 $197,190
2008 42 $1,682,931
2011 1 $0
2012 7 $44,197
2014 7 $29,266
2017 36 $1,656,567
2020 1 $57,954
2024 2 $38,801

Years with no recorded claims are omitted from the table.

Top loss years by dollars paid

Year Claims Paid
2008 42 $1,682,931
2017 36 $1,656,567
2004 33 $727,248

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