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Flood insurance cost · Martin County, FL

Flood insurance cost in Martin County, Florida

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 9,071 home policies in force on August 31, 2026.

Martin County, FloridaPolicies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$995a year

Half of insured homes paid between $642 and $1,266. That is 2% less than the Florida median ($1,017). Most insured homes here are rated in zone X (69%).

$0$642 · $995 · $1,266$1,582
+8.3% vs Aug 31, 2025 (median $919)
9,071home policies in force
$1,180average cost (mean)
31%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 Martin 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 zoneMedianMiddle half (25th–75th percentile)AveragePoliciesvs last year
Zone VE / V
High risk, coastal		$1,335$1,054–$2,124$2,255151 (2%)+8.5%
Zone AE
High risk		$1,233$820–$1,984$1,6432,536 (28%)+13.9%
Zone AO
High risk, shallow		$1,202$980–$1,602$2,13523 (0%)+13.4%
Zone AH
High risk, shallow		$598$545–$684$63596 (1%)+2.4%
Zone X
Moderate to low risk		$860$607–$1,233$9716,262 (69%)+2.7%

Not shown (fewer than 10 home policies): A, 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 Martin County, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home7,937$1,057$1,223
2–4 unit building100$1,053$1,326
Manufactured (mobile) home93$906$1,293
Condo or apartment unit941$643$789
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.		399$4,964$6,260
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		487$2,152$3,314
9,957NFIP policies in force, any building
13,826insured units (condo association policies count every unit)
92%of home policies also cover contents
$100,000median contents coverage, when bought

One year on: Martin 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, 2025Aug 31, 2026Change
Home policies in force9,8929,071−8.3%
Median annual cost$919$995+8.3%
Average annual cost$1,079$1,180+9.4%
All policies in force (any building)10,8019,957−7.8%

How many homes have flood insurance?

14.1%of all homes in Martin County have an NFIP policy
77.8%of homes in high-risk zones (special flood hazard area) have one
67,665residential buildings counted by FEMA
3,905of 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 Martin County, Florida have filed 2,633 flood claims. 1,513 received a payment, for a total of $40.0 million (an average of $26,467 per paid claim). The year with the most claims was 2004 (1,069 claims). Amounts are in dollars of the time, not adjusted for inflation.

05001k1.5k2k1979: 47 claims, 15 paid, $13,874 in total19801982: 29 claims, 10 paid, $19,959 in total1984: 79 claims, 46 paid, $313,867 in total19901991: 36 claims, 19 paid, $472,548 in total1992: 15 claims1993: 12 claims1994: 43 claims, 17 paid, $106,852 in total1995: 278 claims, 215 paid, $4,731,518 in total19951998: 13 claims1999: 155 claims, 82 paid, $559,341 in total20002001: 186 claims, 144 paid, $2,019,346 in total20012004: 1,069 claims, 646 paid, $22,648,560 in total20042005: 147 claims, 58 paid, $998,855 in total2007: 16 claims2008: 60 claims, 35 paid, $612,270 in total20102011: 14 claims2012: 39 claims, 19 paid, $1,175,325 in total2014: 36 claims, 26 paid, $1,573,444 in total2015: 21 claims, 11 paid, $216,392 in total2016: 39 claims2017: 53 claims, 22 paid, $875,286 in total2018: 21 claims, 11 paid, $223,471 in total2019: 10 claims2020: 60 claims, 37 paid, $868,506 in total20202022: 53 claims, 32 paid, $1,273,738 in total
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 (25)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
20225332$1,273,738$39,804
20206037$868,506$23,473
201910<10––
20182111$223,471$20,316
20175322$875,286$39,786
201639<10––
20152111$216,392$19,672
20143626$1,573,444$60,517
20123919$1,175,325$61,859
201114<10––
20086035$612,270$17,493
200716<10––
200514758$998,855$17,222
20041,069646$22,648,560$35,060
2001186144$2,019,346$14,023
199915582$559,341$6,821
199813<10––
1995278215$4,731,518$22,007
19944317$106,852$6,285
199312<10––
199215<10––
19913619$472,548$24,871
19847946$313,867$6,823
19822910$19,959$1,996
19794715$13,874$925

From 2016 to 2026: 236 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 Martin County

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

Main NFIP communities in the county

Unincorporated Martin County (8,049 home policies) · Stuart (391 home policies) · Jupiter Island (343 home policies) · Sewalls Point (260 home policies) · Ocean Breeze (15 home policies)