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Flood Figures

ZIP 34996 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, 3,180 NFIP flood insurance policies are in force in ZIP 34996 (Stuart, FL), with 598 flood claims recorded since 1978.

Policies & premiums

Policies in force
3,180
Median annual premium
$957
premium only
Median annual cost
$1,234
premium + fees & surcharges
Mean annual premium
$1,889
premium only
Policies in SFHA zones
38.5%
zones A, AE, AH, AO, V, VE
Building coverage in force
$726,029,000
Contents coverage in force
$98,079,000

"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 34996 by rated flood zone
Policies Share Share bar
X 1,817 57.1%
AE 809 25.4%
VE 424 13.3%
AO 130 4.1%

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 34996 by occupancy type
Policies Share Share bar
Multi-unit buildings 2,023 63.6%
Single-family homes 735 23.1%
Units in multi-unit buildings 322 10.1%
Non-residential buildings 100 3.1%

Claims history since 1978

Claims since 1978
598
Total paid
$10,805,551
Paid on buildings
$9,449,251
Paid on contents
$1,300,237
NFIP claims filed per year in ZIP 34996, 1978–2026. Rust bars mark the top loss years by dollars paid (also listed below).
Claims by year (data table)
YearClaimsPaid
1978 1 $0
1979 6 $925
1983 1 $2,521
1984 18 $26,690
1988 1 $0
1990 2 $0
1991 4 $25,809
1992 4 $22,193
1993 5 $706
1994 7 $7,207
1995 9 $73,606
1996 2 $0
1998 1 $0
1999 26 $78,816
2000 1 $0
2001 13 $76,517
2003 1 $2,532
2004 362 $8,375,439
2005 49 $549,448
2007 2 $21,809
2008 5 $1,805
2009 2 $2,019
2011 1 $11,280
2012 11 $52,821
2014 16 $1,165,221
2016 10 $32,720
2017 11 $85,891
2018 4 $28,609
2019 2 $22,132
2020 8 $39,216
2021 1 $54,940
2022 8 $14,612
2023 1 $25,707
2024 3 $4,359

Years with no recorded claims are omitted from the table.

Top loss years by dollars paid

Year Claims Paid
2004 362 $8,375,439
2014 16 $1,165,221
2005 49 $549,448

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