Menu

Flood insurance cost · Palm Beach County, FL

Flood insurance cost in Palm Beach County, Florida

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 65,506 home policies in force on August 31, 2026.

Palm Beach County, FloridaPolicies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$695a year

Half of insured homes paid between $518 and $1,077. That is 32% less than the Florida median ($1,017). Most insured homes here are rated in zone X (74%).

$0$518 · $695 · $1,077$1,346
+2.1% vs Aug 31, 2025 (median $681)
65,506home policies in force
$922average cost (mean)
26%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 Palm Beach 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		$1,119$687–$1,589$1,492518 (1%)+11.2%
Zone AE
High risk		$1,217$730–$1,847$1,55714,713 (22%)+14.5%
Zone AO
High risk, shallow		$644$555–$749$6821,078 (2%)+3.2%
Zone AH
High risk, shallow		$1,103$886–$1,265$1,127924 (1%)+12.8%
Zone X
Moderate to low risk		$635$498–$840$72448,265 (74%)+1.8%

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 Palm Beach County, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home56,649$714$954
2–4 unit building1,131$821$1,054
Manufactured (mobile) home157$664$845
Condo or apartment unit7,569$509$665
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.		3,166$3,042$6,195
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		4,090$1,692$2,680
72,762NFIP policies in force, any building
128,626insured units (condo association policies count every unit)
92%of home policies also cover contents
$100,000median contents coverage, when bought

One year on: Palm Beach 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 force69,46365,506−5.7%
Median annual cost$681$695+2.1%
Average annual cost$865$922+6.6%
All policies in force (any building)76,77272,762−5.2%

How many homes have flood insurance?

13.0%of all homes in Palm Beach County have an NFIP policy
43.5%of homes in high-risk zones (special flood hazard area) have one
530,976residential buildings counted by FEMA
43,577of 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 Palm Beach County, Florida have filed 10,790 flood claims. 4,700 received a payment, for a total of $72.3 million (an average of $15,391 per paid claim). The year with the most claims was 2004 (1,926 claims). Amounts are in dollars of the time, not adjusted for inflation.

05001k1.5k2k1978: 131 claims, 91 paid, $272,236 in total1979: 733 claims, 379 paid, $786,528 in total1980: 28 claims19801981: 114 claims, 32 paid, $90,497 in total1982: 603 claims, 383 paid, $874,592 in total1983: 98 claims, 23 paid, $53,390 in total1984: 180 claims, 65 paid, $194,884 in total1985: 20 claims1986: 10 claims1987: 29 claims1988: 20 claims1989: 23 claims19901991: 142 claims, 55 paid, $1,421,353 in total1992: 104 claims, 30 paid, $311,427 in total1993: 55 claims, 22 paid, $202,436 in total1994: 222 claims, 76 paid, $736,037 in total1995: 606 claims, 360 paid, $6,235,951 in total1996: 28 claims1997: 30 claims1998: 313 claims, 177 paid, $2,281,400 in total1999: 1,500 claims, 862 paid, $8,565,668 in total19992000: 160 claims, 104 paid, $1,334,626 in total20002001: 115 claims, 52 paid, $727,064 in total2002: 53 claims, 14 paid, $51,278 in total2003: 41 claims2004: 1,926 claims, 821 paid, $16,538,336 in total20042005: 814 claims, 93 paid, $1,425,701 in total20052006: 124 claims, 73 paid, $1,818,626 in total2007: 55 claims, 13 paid, $180,344 in total2008: 128 claims, 28 paid, $247,613 in total2009: 98 claims, 27 paid, $267,858 in total2010: 41 claims, 10 paid, $168,390 in total20102011: 89 claims, 31 paid, $893,161 in total2012: 423 claims, 170 paid, $2,825,288 in total2013: 115 claims, 45 paid, $1,018,786 in total2014: 369 claims, 232 paid, $5,133,302 in total2015: 72 claims, 22 paid, $450,143 in total2016: 116 claims, 54 paid, $1,403,644 in total2017: 516 claims, 129 paid, $4,620,165 in total2018: 54 claims, 16 paid, $255,369 in total2019: 63 claims, 17 paid, $1,128,034 in total2020: 131 claims, 66 paid, $1,008,574 in total20202021: 49 claims2022: 63 claims, 14 paid, $979,326 in total2023: 23 claims2024: 50 claims, 11 paid, $524,738 in total2025: 99 claims, 48 paid, $6,857,416 in total2026: 10 claims
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 (48)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
202610<10––
20259948$6,857,416$142,863
20245011$524,738$47,703
202323<10––
20226314$979,326$69,952
202149<10––
202013166$1,008,574$15,281
20196317$1,128,034$66,355
20185416$255,369$15,961
2017516129$4,620,165$35,815
201611654$1,403,644$25,993
20157222$450,143$20,461
2014369232$5,133,302$22,126
201311545$1,018,786$22,640
2012423170$2,825,288$16,619
20118931$893,161$28,812
20104110$168,390$16,839
20099827$267,858$9,921
200812828$247,613$8,843
20075513$180,344$13,873
200612473$1,818,626$24,913
200581493$1,425,701$15,330
20041,926821$16,538,336$20,144
200341<10––
20025314$51,278$3,663
200111552$727,064$13,982
2000160104$1,334,626$12,833
19991,500862$8,565,668$9,937
1998313177$2,281,400$12,889
199730<10––
199628<10––
1995606360$6,235,951$17,322
199422276$736,037$9,685
19935522$202,436$9,202
199210430$311,427$10,381
199114255$1,421,353$25,843
198923<10––
198820<10––
198729<10––
198610<10––
198520<10––
198418065$194,884$2,998
19839823$53,390$2,321
1982603383$874,592$2,284
198111432$90,497$2,828
198028<10––
1979733379$786,528$2,075
197813191$272,236$2,992

From 2016 to 2026: 1,174 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 Palm Beach County

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

Main NFIP communities in the county

Unincorporated Palm Beach County (29,254 home policies) · Boca Raton (6,081 home policies) · Palm Beach Gardens (3,819 home policies) · Jupiter (3,535 home policies) · Delray Beach (3,534 home policies) · West Palm Beach (3,139 home policies)