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Flood insurance cost · ZIP 32127 · FL

Flood insurance cost in ZIP 32127 (Port Orange, FL)

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 2,408 home policies in force on August 31, 2026.

ZIP code 32127 (Port Orange, FL)Policies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$880a year

Half of insured homes paid between $688 and $1,232. That is about the same as the Volusia County median ($886). Most insured homes here are rated in zone X (70%).

$0$688 · $880 · $1,232$1,540
+3.3% vs Aug 31, 2025 (median $852)
2,408home policies in force
$1,098average cost (mean)
30%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 32127

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		$830$722–$969$88842 (2%)−0.8%
Zone AE
High risk		$1,242$944–$1,826$1,635684 (28%)+8.5%
Zone X
Moderate to low risk		$787$635–$1,075$8851,682 (70%)+1.8%

Not shown (fewer than 10 home policies): A, 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 32127, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home2,086$883$1,124
2–4 unit building37$1,094$1,134
Manufactured (mobile) home161$937$1,035
Condo or apartment unit124$702$723
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.		50$5,546$8,891
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		94$2,188$3,263
2,552NFIP policies in force, any building
4,436insured units (condo association policies count every unit)
90%of home policies also cover contents
$100,000median contents coverage, when bought

One year on: ZIP code 32127

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 force2,5122,408−4.1%
Median annual cost$852$880+3.3%
Average annual cost$1,027$1,098+6.9%
All policies in force (any building)2,7122,552−5.9%

Flood claims history

Since 1978, NFIP policyholders in ZIP 32127 have filed 1,724 flood claims. 1,380 received a payment, for a total of $83.1 million (an average of $60,238 per paid claim). The year with the most claims was 2022 (531 claims). Amounts are in dollars of the time, not adjusted for inflation.

020040060080019801982: 10 claims19901994: 48 claims, 28 paid, $208,466 in total1999: 31 claims, 11 paid, $79,561 in total20002001: 14 claims2004: 249 claims, 193 paid, $5,997,872 in total20042009: 50 claims, 37 paid, $465,087 in total20102014: 22 claims, 17 paid, $372,871 in total2016: 92 claims, 59 paid, $3,568,500 in total2017: 123 claims, 112 paid, $6,728,099 in total20202022: 531 claims, 443 paid, $31,907,709 in total20222024: 469 claims, 444 paid, $33,535,430 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 (11)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
2024469444$33,535,430$75,530
2022531443$31,907,709$72,026
2017123112$6,728,099$60,072
20169259$3,568,500$60,483
20142217$372,871$21,934
20095037$465,087$12,570
2004249193$5,997,872$31,077
200114<10––
19993111$79,561$7,233
19944828$208,466$7,445
198210<10––

From 2016 to 2026: 1,215 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

Port Orange (1,718 home policies) · Ponce Inlet (543 home policies) · Unincorporated Volusia County (147 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.