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Flood insurance cost · St. Lucie County, FL

Flood insurance cost in St. Lucie County, Florida

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 10,448 home policies in force on August 31, 2026.

St. Lucie County, FloridaPolicies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$666a year

Half of insured homes paid between $543 and $983. That is 35% less than the Florida median ($1,017). Most insured homes here are rated in zone X (76%).

$0$543 · $666 · $983$1,229
+2.9% vs Aug 31, 2025 (median $647)
10,448home policies in force
$908average cost (mean)
24%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 St. Lucie 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		$1,238$772–$1,836$1,83466 (1%)−3.3%
Zone AE
High risk		$1,202$854–$1,822$1,7401,785 (17%)+12.5%
Zone A
High risk		$787$606–$934$78662 (1%)+11.8%
Zone AO
High risk, shallow		$819$587–$1,470$1,18095 (1%)+5.5%
Zone AH
High risk, shallow		$586$510–$670$598509 (5%)+2.4%
Zone X
Moderate to low risk		$633$518–$824$7317,931 (76%)+2.8%

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

Type of buildingPoliciesMedianAverage
Single-family home9,246$657$882
2–4 unit building137$1,341$2,352
Manufactured (mobile) home248$918$1,117
Condo or apartment unit817$697$896
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.		402$5,854$9,654
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		462$1,963$3,237
11,312NFIP policies in force, any building
18,777insured units (condo association policies count every unit)
92%of home policies also cover contents
$100,000median contents coverage, when bought

One year on: St. Lucie 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 force11,07110,448−5.6%
Median annual cost$647$666+2.9%
Average annual cost$854$908+6.3%
All policies in force (any building)12,04711,312−6.1%

How many homes have flood insurance?

8.7%of all homes in St. Lucie County have an NFIP policy
44.0%of homes in high-risk zones (special flood hazard area) have one
126,056residential buildings counted by FEMA
6,144of 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 St. Lucie County, Florida have filed 3,990 flood claims. 2,655 received a payment, for a total of $84.7 million (an average of $31,904 per paid claim). The year with the most claims was 2004 (2,440 claims). Amounts are in dollars of the time, not adjusted for inflation.

01k2k3k4k1979: 53 claims, 30 paid, $103,182 in total19801982: 18 claims, 10 paid, $16,906 in total1983: 11 claims1984: 48 claims, 25 paid, $82,652 in total1985: 92 claims, 52 paid, $822,499 in total1987: 17 claims, 11 paid, $94,263 in total19901994: 23 claims, 12 paid, $48,593 in total1995: 74 claims, 51 paid, $481,405 in total1996: 12 claims1999: 100 claims, 45 paid, $425,814 in total20002001: 16 claims2004: 2,440 claims, 1,785 paid, $60,490,770 in total20042005: 205 claims, 98 paid, $1,085,658 in total2007: 10 claims2008: 271 claims, 175 paid, $6,266,767 in total200820102012: 87 claims, 50 paid, $1,201,993 in total2014: 55 claims, 31 paid, $631,699 in total2016: 47 claims, 21 paid, $214,467 in total2017: 234 claims, 167 paid, $10,996,569 in total20172020: 26 claims, 12 paid, $204,847 in total20202022: 30 claims, 18 paid, $564,449 in total2024: 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 (22)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
202416<10––
20223018$564,449$31,358
20202612$204,847$17,071
2017234167$10,996,569$65,848
20164721$214,467$10,213
20145531$631,699$20,377
20128750$1,201,993$24,040
2008271175$6,266,767$35,810
200710<10––
200520598$1,085,658$11,078
20042,4401,785$60,490,770$33,888
200116<10––
199910045$425,814$9,463
199612<10––
19957451$481,405$9,439
19942312$48,593$4,049
19871711$94,263$8,569
19859252$822,499$15,817
19844825$82,652$3,306
198311<10––
19821810$16,906$1,691
19795330$103,182$3,439

From 2016 to 2026: 353 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 St. Lucie County

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

Main NFIP communities in the county

Port St. Lucie (5,828 home policies) · Unincorporated St. Lucie County (3,052 home policies) · Fort Pierce (1,466 home policies) · St. Lucie Village (95 home policies)