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Flood Figures

ZIP 34994 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, 1,255 NFIP flood insurance policies are in force in ZIP 34994 (Stuart, FL), with 252 flood claims recorded since 1978.

Policies & premiums

Policies in force
1,255
Median annual premium
$914
premium only
Median annual cost
$1,221
premium + fees & surcharges
Mean annual premium
$1,561
premium only
Policies in SFHA zones
50.3%
zones A, AE, AH, AO, V, VE
Building coverage in force
$274,494,000
Contents coverage in force
$58,217,000

"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 34994 by rated flood zone
Policies Share Share bar
AE 816 65.0%
X 435 34.7%
VE 3 0.2%
A05 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 34994 by occupancy type
Policies Share Share bar
Multi-unit buildings 554 44.1%
Single-family homes 454 36.2%
Units in multi-unit buildings 152 12.1%
Non-residential buildings 89 7.1%
Mobile homes 6 0.5%

Claims history since 1978

Claims since 1978
252
Total paid
$2,623,049
Paid on buildings
$2,280,137
Paid on contents
$342,912
NFIP claims filed per year in ZIP 34994, 1978–2026. Rust bars mark the top loss years by dollars paid (also listed below).
Claims by year (data table)
YearClaimsPaid
1979 3 $150
1982 2 $1,583
1984 4 $22,541
1985 1 $0
1990 1 $324
1991 1 $30,501
1993 2 $11,519
1994 5 $2,934
1995 19 $129,202
1998 3 $0
1999 12 $32,817
2000 1 $0
2001 23 $182,075
2002 1 $0
2004 114 $1,440,085
2005 10 $18,656
2007 1 $1,805
2008 7 $47,703
2009 1 $0
2011 5 $43,985
2012 2 $27,571
2013 2 $1,688
2014 1 $0
2015 1 $0
2016 3 $0
2017 10 $218,247
2018 2 $6,469
2019 2 $64,705
2020 2 $109,768
2021 1 $14,264
2022 8 $150,834
2023 1 $63,624
2025 1 $0

Years with no recorded claims are omitted from the table.

Top loss years by dollars paid

Year Claims Paid
2004 114 $1,440,085
2017 10 $218,247
2001 23 $182,075

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