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Flood insurance cost · Volusia County, FL

Flood insurance cost in Volusia County, Florida

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 23,733 home policies in force on August 31, 2026.

Volusia County, FloridaPolicies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$886a year

Half of insured homes paid between $653 and $1,148. That is 13% less than the Florida median ($1,017). Most insured homes here are rated in zone X (57%).

$0$653 · $886 · $1,148$1,435
+3.4% vs Aug 31, 2025 (median $857)
23,733home policies in force
$974average cost (mean)
43%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 Volusia 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		$1,165$748–$1,518$1,297375 (2%)+6.9%
Zone AE
High risk		$956$709–$1,271$1,1237,272 (31%)+3.9%
Zone A
High risk		$913$702–$1,113$9292,398 (10%)+3.3%
Zone AH
High risk, shallow		$797$662–$1,020$846135 (1%)−2.1%
Zone X
Moderate to low risk		$840$617–$1,086$89413,553 (57%)+2.7%

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 Volusia County, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home21,132$899$989
2–4 unit building350$1,122$1,178
Manufactured (mobile) home976$864$931
Condo or apartment unit1,275$616$701
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.		1,083$3,103$5,329
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		1,415$2,353$3,068
26,231NFIP policies in force, any building
46,432insured units (condo association policies count every unit)
88%of home policies also cover contents
$100,000median contents coverage, when bought

One year on: Volusia 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 force24,73623,733−4.1%
Median annual cost$857$886+3.4%
Average annual cost$921$974+5.8%
All policies in force (any building)27,28526,231−3.9%

How many homes have flood insurance?

11.1%of all homes in Volusia County have an NFIP policy
57.4%of homes in high-risk zones (special flood hazard area) have one
226,141residential buildings counted by FEMA
19,091of 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 Volusia County, Florida have filed 12,580 flood claims. 9,606 received a payment, for a total of $582.0 million (an average of $60,590 per paid claim). The year with the most claims was 2022 (4,067 claims). Amounts are in dollars of the time, not adjusted for inflation.

02k4k6k8k1979: 45 claims, 22 paid, $62,964 in total19801982: 58 claims, 29 paid, $67,361 in total1983: 12 claims1984: 47 claims1985: 19 claims, 12 paid, $26,012 in total1988: 10 claims1989: 29 claims19901991: 48 claims, 25 paid, $48,884 in total1992: 37 claims, 20 paid, $142,820 in total1994: 541 claims, 386 paid, $3,602,973 in total1995: 78 claims, 48 paid, $266,831 in total1996: 51 claims, 12 paid, $21,817 in total1997: 12 claims1998: 14 claims1999: 265 claims, 74 paid, $526,487 in total2000: 34 claims, 10 paid, $53,873 in total20002001: 184 claims, 130 paid, $1,558,324 in total2002: 16 claims2003: 39 claims, 23 paid, $281,162 in total2004: 1,205 claims, 796 paid, $19,766,922 in total20042005: 40 claims, 25 paid, $695,412 in total2008: 265 claims, 177 paid, $8,790,760 in total2009: 723 claims, 597 paid, $14,050,413 in total20102011: 26 claims2012: 22 claims2013: 28 claims, 11 paid, $93,842 in total2014: 104 claims, 67 paid, $1,059,673 in total2016: 467 claims, 223 paid, $9,236,181 in total2017: 981 claims, 770 paid, $53,905,801 in total2018: 19 claims2019: 14 claims2020: 33 claims, 17 paid, $422,137 in total20202021: 26 claims, 11 paid, $222,436 in total2022: 4,067 claims, 3,366 paid, $270,466,576 in total20222023: 47 claims, 23 paid, $647,167 in total2024: 2,859 claims, 2,622 paid, $194,436,333 in total20242025: 39 claims, 28 paid, $913,211 in total
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 (37)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
20253928$913,211$32,615
20242,8592,622$194,436,333$74,156
20234723$647,167$28,138
20224,0673,366$270,466,576$80,353
20212611$222,436$20,221
20203317$422,137$24,832
201914<10––
201819<10––
2017981770$53,905,801$70,008
2016467223$9,236,181$41,418
201410467$1,059,673$15,816
20132811$93,842$8,531
201222<10––
201126<10––
2009723597$14,050,413$23,535
2008265177$8,790,760$49,665
20054025$695,412$27,816
20041,205796$19,766,922$24,833
20033923$281,162$12,224
200216<10––
2001184130$1,558,324$11,987
20003410$53,873$5,387
199926574$526,487$7,115
199814<10––
199712<10––
19965112$21,817$1,818
19957848$266,831$5,559
1994541386$3,602,973$9,334
19923720$142,820$7,141
19914825$48,884$1,955
198929<10––
198810<10––
19851912$26,012$2,168
198447<10––
198312<10––
19825829$67,361$2,323
19794522$62,964$2,862

From 2016 to 2026: 8,552 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 Volusia County

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

Main NFIP communities in the county

Unincorporated Volusia County (5,170 home policies) · Port Orange (4,022 home policies) · New Smyrna Beach (3,702 home policies) · Daytona Beach (3,253 home policies) · Ormond Beach (2,117 home policies) · South Daytona (1,262 home policies)