Flood insurance cost · Brevard County, FL

Flood insurance cost in Brevard County, Florida

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 28,389 home policies in force on August 31, 2026.

Brevard County, FloridaPolicies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$885a year

Half of insured homes paid between $618 and $1,235. That is 13% less than the Florida median ($1,017). Most insured homes here are rated in zone X (73%).

$0$618 · $885 · $1,235$1,544

+3.8% vs Aug 31, 2025 (median $853)

28,389home policies in force

$982average cost (mean)

27%of insured homes in high-risk zones (A, V)

$250,000median building coverage

This is what policyholders paid, not a quote. Two neighbors can pay very different prices: NFIP prices depend on the building (elevation, foundation, number of floors, replacement cost), the coverage and deductible chosen and the distance to water (FEMA FloodSmart: premium factors). For a price for your building, ask an insurance agent. Private flood insurance is not included in these figures.

Cost by flood zone in Brevard County

The flood zone on FEMA's map is one of the main price factors. Median and middle half of what insured homes paid, by the zone used to rate the policy.

Flood zone	Median	Middle half (25th–75th percentile)	Average	Policies	vs last year
Zone VE / V High risk, coastal	$1,312	$858–$1,909	$1,461	525 (2%)	+12.5%
Zone AE High risk	$1,184	$876–$1,462	$1,443	2,885 (10%)	+13.2%
Zone A High risk	$645	$535–$767	$684	3,939 (14%)	+2.2%
Zone AO High risk, shallow	$1,197	$842–$1,656	$1,377	163 (1%)	+14.2%
Zone AH High risk, shallow	$663	$584–$785	$691	144 (1%)	+1.5%
Zone X Moderate to low risk	$926	$633–$1,259	$961	20,733 (73%)	+3.7%

Not shown (fewer than 10 home policies): A99/AR, D. Shares are of all insured homes; a few policies have no rated zone. "vs last year" compares medians with policies in force a year earlier.

Cost by type of building

All NFIP policies in force in Brevard County, by what they insure.

Type of building	Policies	Median	Average
Single-family home	25,309	$894	$980
2–4 unit building	455	$1,308	$1,840
Manufactured (mobile) home	854	$787	$934
Condo or apartment unit	1,771	$739	$820
Whole residential building (5+ units or condo association) One policy covers the whole building, so the cost is much higher than for a single home.	812	$6,738	$8,331
Non-residential building or unit Businesses, churches, farm buildings and other non-residential property.	1,041	$2,446	$3,518

30,242NFIP policies in force, any building

42,316insured units (condo association policies count every unit)

91%of home policies also cover contents

$100,000median contents coverage, when bought

One year on: Brevard County

Policies in force on August 31, 2026 compared with a year earlier. Nationwide, practically all policies in both years carry FEMA's Risk Rating 2.0 occupancy codes, so both years use the same pricing system. The policies are not the same: some were new, some lapsed.

	Aug 31, 2025	Aug 31, 2026	Change
Home policies in force	30,494	28,389	−6.9%
Median annual cost	$853	$885	+3.8%
Average annual cost	$908	$982	+8.1%
All policies in force (any building)	32,448	30,242	−6.8%

How many homes have flood insurance?

11.8%of all homes in Brevard County have an NFIP policy

47.0%of homes in high-risk zones (special flood hazard area) have one

249,193residential buildings counted by FEMA

17,068of them in high-risk zones

FEMA NFIP Residential Penetration Rates, data as of August 3, 2026: residential contracts in force divided by residential structures.

Flood claims history

Since 1978, NFIP policyholders in Brevard County, Florida have filed 5,695 flood claims. 2,913 received a payment, for a total of $69.1 million (an average of $23,730 per paid claim). The year with the most claims was 2008 (1,362 claims). Amounts are in dollars of the time, not adjusted for inflation.

Flood claims per year of loss, 1978–2026. Years with fewer than 10 claims are left blank. Hover a bar for details.

All years with at least 10 claims (40)

Swipe the table sideways to see all columns.

Year of loss	Claims	Paid claims	Total paid	Average per paid claim
2025	113	89	$6,379,597	$71,681
2024	61	27	$1,192,854	$44,180
2023	23	<10	–	–
2022	169	77	$3,602,519	$46,786
2021	14	<10	–	–
2020	15	<10	–	–
2019	20	<10	–	–
2018	17	<10	–	–
2017	901	603	$21,223,766	$35,197
2016	176	43	$786,769	$18,297
2015	15	<10	–	–
2014	32	<10	–	–
2013	15	<10	–	–
2012	23	<10	–	–
2011	84	28	$128,102	$4,575
2010	11	<10	–	–
2009	16	<10	–	–
2008	1,362	1,034	$19,373,429	$18,736
2005	157	93	$2,527,661	$27,179
2004	1,084	402	$10,496,662	$26,111
2003	12	<10	–	–
2002	12	<10	–	–
2001	40	20	$176,794	$8,840
2000	22	<10	–	–
1999	417	129	$827,094	$6,412
1998	20	<10	–	–
1997	14	<10	–	–
1996	35	<10	–	–
1995	362	153	$1,183,386	$7,735
1994	157	47	$173,927	$3,701
1993	12	<10	–	–
1992	13	<10	–	–
1991	12	<10	–	–
1989	46	21	$178,967	$8,522
1987	12	<10	–	–
1984	69	19	$108,348	$5,703
1983	11	<10	–	–
1982	15	10	$7,572	$757
1981	19	11	$57,592	$5,236
1979	46	11	$37,165	$3,379

From 2016 to 2026: 1,509 claims (counting only years with at least 10). 2026 is a partial year. Claims are counted where the insured property is; they include buildings and contents, homes and businesses.

ZIP codes in Brevard County

ZIP codes with at least 300 NFIP home policies in force have their own page.

Main NFIP communities in the county

Unincorporated Brevard County (14,828 home policies) · Melbourne (2,816 home policies) · Palm Bay (2,472 home policies) · Cocoa Beach (1,268 home policies) · Satellite Beach (1,099 home policies) · West Melbourne (947 home policies)