Flood insurance cost · Osceola County, FL

Flood insurance cost in Osceola County, Florida

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 7,668 home policies in force on August 31, 2026.

Osceola County, FloridaPolicies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$683a year

Half of insured homes paid between $568 and $824. That is 33% less than the Florida median ($1,017). The most common flood zone for insured homes here is zone AE (48%).

$0$568 · $683 · $824$1,030

+2.1% vs Aug 31, 2025 (median $669)

7,668home policies in force

$723average cost (mean)

66%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 Osceola 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	$723	$592–$873	$765	3,648 (48%)	+2.8%
Zone A High risk	$667	$546–$799	$694	1,373 (18%)	+3.6%
Zone X Moderate to low risk	$649	$550–$775	$682	2,642 (34%)	+1.1%

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 Osceola County, by what they insure.

Type of building	Policies	Median	Average
Single-family home	6,922	$682	$721
2–4 unit building	94	$814	$882
Manufactured (mobile) home	441	$749	$809
Condo or apartment unit	211	$558	$566
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.	129	$2,131	$2,378
Non-residential building or unit Businesses, churches, farm buildings and other non-residential property.	273	$1,800	$2,014

8,070NFIP policies in force, any building

8,957insured units (condo association policies count every unit)

80%of home policies also cover contents

$100,000median contents coverage, when bought

One year on: Osceola 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	8,196	7,668	−6.4%
Median annual cost	$669	$683	+2.1%
Average annual cost	$705	$723	+2.6%
All policies in force (any building)	8,645	8,070	−6.7%

How many homes have flood insurance?

6.0%of all homes in Osceola County have an NFIP policy

35.9%of homes in high-risk zones (special flood hazard area) have one

131,130residential buildings counted by FEMA

14,370of 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 Osceola County, Florida have filed 1,032 flood claims. 569 received a payment, for a total of $25.0 million (an average of $43,910 per paid claim). The year with the most claims was 2022 (397 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 (12)

Swipe the table sideways to see all columns.

Year of loss	Claims	Paid claims	Total paid	Average per paid claim
2024	22	<10	–	–
2022	397	309	$21,073,180	$68,198
2020	10	<10	–	–
2017	192	114	$2,531,023	$22,202
2016	16	<10	–	–
2009	24	18	$436,865	$24,270
2008	12	<10	–	–
2005	12	<10	–	–
2004	204	52	$296,198	$5,696
2003	19	13	$96,237	$7,403
2002	13	<10	–	–
1995	12	<10	–	–

From 2016 to 2026: 637 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 Osceola County

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

Main NFIP communities in the county

Unincorporated Osceola County (6,149 home policies) · St. Cloud (841 home policies) · Kissimmee (674 home policies)