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Flood Figures

ZIP 34982 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, 909 NFIP flood insurance policies are in force in ZIP 34982 (Fort Pierce, FL), with 370 flood claims recorded since 1978.

Policies & premiums

Policies in force
909
Median annual premium
$574
premium only
Median annual cost
$761
premium + fees & surcharges
Mean annual premium
$621
premium only
Policies in SFHA zones
11.6%
zones A, AE, AH, AO, V, VE
Building coverage in force
$182,097,000
Contents coverage in force
$44,108,000

"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 34982 by rated flood zone
Policies Share Share bar
X 830 91.3%
AE 63 6.9%
AH 14 1.5%
AHB 1 0.1%
A 1 0.1%

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 34982 by occupancy type
Policies Share Share bar
Single-family homes 435 47.9%
Multi-unit buildings 296 32.6%
Units in multi-unit buildings 147 16.2%
Non-residential buildings 23 2.5%
Mobile homes 8 0.9%

Claims history since 1978

Claims since 1978
370
Total paid
$4,856,428
Paid on buildings
$3,804,427
Paid on contents
$1,006,461
NFIP claims filed per year in ZIP 34982, 1978–2026. Rust bars mark the top loss years by dollars paid (also listed below).
Claims by year (data table)
YearClaimsPaid
1978 1 $2,356
1979 7 $13,840
1981 4 $8,311
1982 3 $0
1983 2 $305
1984 2 $0
1985 35 $252,252
1987 3 $12,131
1990 1 $933
1991 1 $0
1992 2 $3,580
1993 2 $0
1994 6 $2,905
1995 21 $157,451
1996 3 $0
1997 1 $7,247
1998 2 $0
1999 15 $91,773
2000 1 $0
2001 2 $2,147
2003 1 $16,891
2004 110 $898,566
2005 18 $22,419
2008 44 $1,024,160
2009 2 $0
2010 1 $0
2011 2 $7,462
2012 23 $335,516
2013 1 $0
2014 17 $477,677
2016 4 $0
2017 28 $1,498,956
2020 3 $18,011
2024 2 $1,541

Years with no recorded claims are omitted from the table.

Top loss years by dollars paid

Year Claims Paid
2017 28 $1,498,956
2008 44 $1,024,160
2004 110 $898,566

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