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Flood insurance cost · Pasco County, FL

Flood insurance cost in Pasco County, Florida

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 20,204 home policies in force on August 31, 2026.

Pasco County, FloridaPolicies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$874a year

Half of insured homes paid between $624 and $1,685. That is 14% less than the Florida median ($1,017). Most insured homes here are rated in zone AE (52%).

$0$624 · $874 · $1,685$2,106
+3.7% vs Aug 31, 2025 (median $843)
20,204home policies in force
$1,519average cost (mean)
67%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 Pasco 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		$4,622$2,466–$6,275$4,497122 (1%)+8.7%
Zone AE
High risk		$1,490$800–$3,192$2,17010,583 (52%)+7.3%
Zone A
High risk		$725$566–$934$7792,694 (13%)+2.3%
Zone AH
High risk, shallow		$702$630–$834$75039 (0%)+0.3%
Zone X
Moderate to low risk		$677$550–$872$7466,766 (33%)+1.2%

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

Type of buildingPoliciesMedianAverage
Single-family home18,349$874$1,555
2–4 unit building173$1,565$2,392
Manufactured (mobile) home1,045$1,086$1,278
Condo or apartment unit637$530$645
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.		510$4,524$6,254
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		956$2,178$3,738
21,670NFIP policies in force, any building
24,418insured units (condo association policies count every unit)
74%of home policies also cover contents
$100,000median contents coverage, when bought

One year on: Pasco 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 force21,01920,204−3.9%
Median annual cost$843$874+3.7%
Average annual cost$1,426$1,519+6.5%
All policies in force (any building)22,48921,670−3.6%

How many homes have flood insurance?

10.3%of all homes in Pasco County have an NFIP policy
46.9%of homes in high-risk zones (special flood hazard area) have one
229,196residential buildings counted by FEMA
35,604of 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 Pasco County, Florida have filed 14,545 flood claims. 11,908 received a payment, for a total of $692.8 million (an average of $58,175 per paid claim). The year with the most claims was 2024 (4,920 claims). Amounts are in dollars of the time, not adjusted for inflation.

02k4k6k8k1978: 14 claims1979: 45 claims, 23 paid, $113,349 in total19801981: 20 claims, 10 paid, $12,322 in total1982: 77 claims, 46 paid, $112,025 in total1983: 43 claims, 21 paid, $36,982 in total1985: 408 claims, 318 paid, $1,771,504 in total1986: 22 claims, 13 paid, $38,082 in total1987: 32 claims, 18 paid, $98,997 in total1988: 170 claims, 83 paid, $519,070 in total19901991: 20 claims1992: 61 claims, 27 paid, $71,913 in total1993: 3,048 claims, 2,795 paid, $72,783,929 in total19931994: 11 claims1995: 240 claims, 138 paid, $2,650,901 in total1996: 1,000 claims, 886 paid, $11,722,088 in total19961997: 98 claims, 52 paid, $377,761 in total1998: 202 claims, 120 paid, $805,540 in total1999: 352 claims, 302 paid, $3,448,616 in total2000: 38 claims, 15 paid, $29,269 in total20002001: 67 claims, 28 paid, $68,583 in total2002: 28 claims, 15 paid, $298,928 in total2003: 74 claims, 48 paid, $984,717 in total2004: 620 claims, 340 paid, $5,160,959 in total2005: 18 claims2006: 11 claims2007: 10 claims2008: 39 claims, 16 paid, $384,013 in total2009: 26 claims, 17 paid, $305,809 in total2010: 51 claims, 26 paid, $232,871 in total20102011: 34 claims, 11 paid, $80,501 in total2012: 735 claims, 548 paid, $12,256,915 in total2013: 24 claims2014: 25 claims2015: 300 claims, 218 paid, $5,428,564 in total2016: 465 claims, 361 paid, $11,558,631 in total2017: 216 claims, 121 paid, $3,534,062 in total2018: 17 claims2019: 20 claims2020: 26 claims, 10 paid, $69,917 in total20202021: 22 claims, 10 paid, $152,124 in total2022: 31 claims, 12 paid, $243,022 in total2023: 817 claims, 745 paid, $53,337,971 in total2024: 4,920 claims, 4,441 paid, $503,381,869 in total20242025: 16 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 (44)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
202516<10––
20244,9204,441$503,381,869$113,349
2023817745$53,337,971$71,595
20223112$243,022$20,252
20212210$152,124$15,212
20202610$69,917$6,992
201920<10––
201817<10––
2017216121$3,534,062$29,207
2016465361$11,558,631$32,018
2015300218$5,428,564$24,902
201425<10––
201324<10––
2012735548$12,256,915$22,367
20113411$80,501$7,318
20105126$232,871$8,957
20092617$305,809$17,989
20083916$384,013$24,001
200710<10––
200611<10––
200518<10––
2004620340$5,160,959$15,179
20037448$984,717$20,515
20022815$298,928$19,929
20016728$68,583$2,449
20003815$29,269$1,951
1999352302$3,448,616$11,419
1998202120$805,540$6,713
19979852$377,761$7,265
19961,000886$11,722,088$13,230
1995240138$2,650,901$19,209
199411<10––
19933,0482,795$72,783,929$26,041
19926127$71,913$2,663
199120<10––
198817083$519,070$6,254
19873218$98,997$5,500
19862213$38,082$2,929
1985408318$1,771,504$5,571
19834321$36,982$1,761
19827746$112,025$2,435
19812010$12,322$1,232
19794523$113,349$4,928
197814<10––

From 2016 to 2026: 6,550 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 Pasco County

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

Main NFIP communities in the county

Unincorporated Pasco County (18,700 home policies) · New Port Richey (831 home policies) · Port Richey (421 home policies) · Zephyrhills (193 home policies) · Dade City (36 home policies) · San Antonio (15 home policies)