Flood insurance cost · Orange County, FL

Flood insurance cost in Orange County, Florida

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 12,454 home policies in force on August 31, 2026.

Orange County, FloridaPolicies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$648a year

Half of insured homes paid between $531 and $826. That is 36% less than the Florida median ($1,017). Most insured homes here are rated in zone X (69%).

$0$531 · $648 · $826$1,032

+1.9% vs Aug 31, 2025 (median $636)

12,454home policies in force

$713average 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 Orange 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 AE High risk	$763	$612–$972	$832	2,962 (24%)	+3.4%
Zone A High risk	$671	$552–$839	$714	862 (7%)	+2.3%
Zone X Moderate to low risk	$614	$513–$772	$672	8,628 (69%)	+1.7%

Not shown (fewer than 10 home policies): VE, AO, AH, 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 Orange County, by what they insure.

Type of building	Policies	Median	Average
Single-family home	11,612	$649	$715
2–4 unit building	179	$821	$855
Manufactured (mobile) home	261	$812	$862
Condo or apartment unit	402	$452	$495
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.	546	$2,112	$2,407
Non-residential building or unit Businesses, churches, farm buildings and other non-residential property.	893	$1,359	$1,571

13,893NFIP policies in force, any building

16,803insured units (condo association policies count every unit)

88%of home policies also cover contents

$100,000median contents coverage, when bought

One year on: Orange 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	13,359	12,454	−6.8%
Median annual cost	$636	$648	+1.9%
Average annual cost	$691	$713	+3.2%
All policies in force (any building)	14,760	13,893	−5.9%

How many homes have flood insurance?

3.3%of all homes in Orange County have an NFIP policy

44.2%of homes in high-risk zones (special flood hazard area) have one

397,341residential buildings counted by FEMA

9,209of 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 Orange County, Florida have filed 2,273 flood claims. 1,316 received a payment, for a total of $73.1 million (an average of $55,566 per paid claim). The year with the most claims was 2022 (909 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 (34)

Swipe the table sideways to see all columns.

Year of loss	Claims	Paid claims	Total paid	Average per paid claim
2025	11	<10	–	–
2024	107	72	$3,970,248	$55,142
2022	909	721	$59,735,389	$82,851
2020	13	<10	–	–
2019	13	<10	–	–
2018	17	<10	–	–
2017	219	105	$3,935,884	$37,485
2016	24	<10	–	–
2015	12	<10	–	–
2014	25	<10	–	–
2013	22	14	$220,587	$15,756
2012	12	<10	–	–
2011	13	<10	–	–
2010	19	<10	–	–
2009	32	16	$96,672	$6,042
2008	99	50	$471,193	$9,424
2006	13	<10	–	–
2005	14	<10	–	–
2004	322	124	$1,848,808	$14,910
2003	21	<10	–	–
2002	26	12	$78,634	$6,553
2001	19	<10	–	–
2000	10	<10	–	–
1999	12	<10	–	–
1998	19	10	$68,019	$6,802
1997	21	<10	–	–
1996	18	<10	–	–
1995	39	15	$228,767	$15,251
1994	47	24	$236,578	$9,857
1992	16	<10	–	–
1991	13	<10	–	–
1984	14	<10	–	–
1982	12	<10	–	–
1979	10	<10	–	–

From 2016 to 2026: 1,313 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 Orange County

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

Main NFIP communities in the county

Unincorporated Orange County (7,988 home policies) · Orlando (2,587 home policies) · Winter Park (546 home policies) · Winter Garden (401 home policies) · Apopka (272 home policies) · Ocoee (205 home policies)