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Flood insurance cost · ZIP 32119 · FL

Flood insurance cost in ZIP 32119 (South Daytona, FL)

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 2,083 home policies in force on August 31, 2026.

ZIP code 32119 (South Daytona, FL)Policies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$789a year

Half of insured homes paid between $497 and $977. That is 11% less than the Volusia County median ($886). Most insured homes here are rated in zone AE (54%).

$0$497 · $789 · $977$1,221
+2.6% vs Aug 31, 2025 (median $769)
2,083home policies in force
$799average cost (mean)
70%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 ZIP code 32119

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 AE
High risk		$616$472–$888$7411,128 (54%)+1.7%
Zone A
High risk		$981$872–$1,087$975327 (16%)+3.3%
Zone X
Moderate to low risk		$857$515–$1,016$816623 (30%)+3.0%

Not shown (fewer than 10 home policies): VE, AO, AH, 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 ZIP code 32119, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home1,864$808$815
2–4 unit building33$872$879
Manufactured (mobile) home78$888$879
Condo or apartment unit108$373$448
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.		190$956$1,583
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		71$1,895$2,318
2,344NFIP policies in force, any building
3,116insured units (condo association policies count every unit)
88%of home policies also cover contents
$100,000median contents coverage, when bought

One year on: ZIP code 32119

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 force2,0822,083±0.0%
Median annual cost$769$789+2.6%
Average annual cost$770$799+3.8%
All policies in force (any building)2,3642,344−0.8%

Flood claims history

Since 1978, NFIP policyholders in ZIP 32119 have filed 1,702 flood claims. 1,476 received a payment, for a total of $108.1 million (an average of $73,250 per paid claim). The year with the most claims was 2024 (601 claims). Amounts are in dollars of the time, not adjusted for inflation.

0200400600800198019901994: 115 claims, 94 paid, $1,205,961 in total19941995: 24 claims, 17 paid, $61,716 in total1999: 12 claims20002004: 114 claims, 87 paid, $2,318,911 in total2009: 69 claims, 59 paid, $788,198 in total20102016: 33 claims, 16 paid, $636,315 in total2017: 99 claims, 86 paid, $5,570,163 in total20202022: 572 claims, 516 paid, $48,174,704 in total20222024: 601 claims, 573 paid, $48,753,897 in total2024
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 (9)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
2024601573$48,753,897$85,085
2022572516$48,174,704$93,362
20179986$5,570,163$64,769
20163316$636,315$39,770
20096959$788,198$13,359
200411487$2,318,911$26,654
199912<10––
19952417$61,716$3,630
199411594$1,205,961$12,829

From 2016 to 2026: 1,305 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.

NFIP communities in this ZIP code

South Daytona (1,262 home policies) · Daytona Beach (798 home policies) · Unincorporated Volusia County (19 home policies). A ZIP code can cross city and county lines; each policy is counted once, in the ZIP code reported for the insured building.