Flood insurance cost · Polk County, FL
Flood insurance cost in Polk County, Florida
What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 6,864 home policies in force on August 31, 2026.
Median annual cost of NFIP flood insurance for a home
$673a year
Half of insured homes paid between $539 and $835. That is 34% less than the Florida median ($1,017). The most common flood zone for insured homes here is zone X (46%).
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 Polk 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 | $703 | $564–$881 | $754 | 1,858 (27%) | +4.0% |
| Zone A High risk | $729 | $588–$865 | $752 | 1,841 (27%) | +2.2% |
| Zone AH High risk, shallow | $759 | $710–$929 | $906 | 10 (0%) | +9.2% |
| Zone X Moderate to low risk | $623 | $500–$779 | $670 | 3,154 (46%) | +2.0% |
Not shown (fewer than 10 home policies): VE, 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 Polk County, by what they insure.
| Type of building | Policies | Median | Average |
|---|---|---|---|
| Single-family home | 5,745 | $661 | $700 |
| 2–4 unit building | 97 | $809 | $822 |
| Manufactured (mobile) home | 910 | $762 | $833 |
| Condo or apartment unit | 112 | $423 | $462 |
| 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. | 94 | $1,532 | $1,683 |
| Non-residential building or unit Businesses, churches, farm buildings and other non-residential property. | 322 | $1,310 | $1,587 |
One year on: Polk 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 | 7,175 | 6,864 | −4.3% |
| Median annual cost | $656 | $673 | +2.6% |
| Average annual cost | $693 | $715 | +3.2% |
| All policies in force (any building) | 7,589 | 7,280 | −4.1% |
How many homes have flood insurance?
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 Polk County, Florida have filed 1,671 flood claims. 1,082 received a payment, for a total of $45.6 million (an average of $42,143 per paid claim). The year with the most claims was 2004 (418 claims). Amounts are in dollars of the time, not adjusted for inflation.
All years with at least 10 claims (22)
Swipe the table sideways to see all columns.
| Year of loss | Claims | Paid claims | Total paid | Average per paid claim |
|---|---|---|---|---|
| 2024 | 396 | 337 | $27,572,861 | $81,819 |
| 2023 | 12 | <10 | – | – |
| 2022 | 146 | 71 | $2,177,936 | $30,675 |
| 2020 | 11 | <10 | – | – |
| 2017 | 252 | 179 | $7,221,114 | $40,341 |
| 2016 | 17 | <10 | – | – |
| 2015 | 12 | 11 | $152,155 | $13,832 |
| 2014 | 10 | <10 | – | – |
| 2012 | 11 | <10 | – | – |
| 2011 | 23 | 10 | $425,448 | $42,545 |
| 2008 | 10 | <10 | – | – |
| 2005 | 75 | 60 | $1,926,130 | $32,102 |
| 2004 | 418 | 224 | $3,672,730 | $16,396 |
| 2003 | 15 | <10 | – | – |
| 2002 | 30 | 23 | $438,135 | $19,049 |
| 1998 | 51 | 36 | $672,305 | $18,675 |
| 1997 | 20 | 10 | $42,705 | $4,270 |
| 1995 | 26 | 17 | $110,556 | $6,503 |
| 1994 | 10 | <10 | – | – |
| 1991 | 11 | <10 | – | – |
| 1988 | 10 | <10 | – | – |
| 1979 | 17 | 12 | $60,629 | $5,052 |
From 2016 to 2026: 834 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 Polk County
ZIP codes with at least 300 NFIP home policies in force have their own page.
- ZIP 33809 · unincorporated Polk Countymedian $748 · 300 homes
- ZIP 33810 · unincorporated Polk Countymedian $671 · 628 homes
- ZIP 33813 · unincorporated Polk Countymedian $594 · 348 homes
- ZIP 33844 · unincorporated Polk Countymedian $681 · 364 homes
- ZIP 33884 · unincorporated Polk Countymedian $584 · 474 homes
- ZIP 34759 · unincorporated Polk Countymedian $765 · 2,214 homes
Main NFIP communities in the county
Unincorporated Polk County (5,429 home policies) · Lakeland (651 home policies) · Winter Haven (335 home policies) · Haines City (94 home policies) · Lake Wales (67 home policies) · Auburndale (63 home policies)