Flood insurance cost · ZIP 32163 · FL

Flood insurance cost in ZIP 32163 (unincorporated Sumter County, FL)

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 915 home policies in force on August 31, 2026.

ZIP code 32163 (unincorporated Sumter County, FL)Policies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$582a year

Half of insured homes paid between $494 and $722. That is 8% less than the Sumter County median ($636). Most insured homes here are rated in zone X (96%).

$0$494 · $582 · $722$902

+1.0% vs Aug 31, 2025 (median $576)

915home policies in force

$633average cost (mean)

4%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 32163

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	$530	$504–$717	$598	18 (2%)	+3.7%
Zone A High risk	$837	$675–$896	$798	22 (2%)	+10.9%
Zone X Moderate to low risk	$579	$493–$713	$630	875 (96%)	+1.4%

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 32163, by what they insure.

Type of building	Policies	Median	Average
Single-family home	915	$582	$633

Not shown (fewer than 10 policies): 2–4 unit building, manufactured (mobile) home, condo or apartment unit, whole residential building (5+ units or condo association), non-residential building or unit.

917NFIP policies in force, any building

917insured units (condo association policies count every unit)

99%of home policies also cover contents

$100,000median contents coverage, when bought

One year on: ZIP code 32163

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	1,036	915	−11.7%
Median annual cost	$576	$582	+1.0%
Average annual cost	$620	$633	+2.1%
All policies in force (any building)	1,038	917	−11.7%

Flood claims history

Fewer than 10 NFIP flood claims have been recorded in ZIP 32163 since 1978, so we do not show claim figures here.

NFIP communities in this ZIP code

Unincorporated Sumter County (522 home policies) · Wildwood (317 home policies) · Fruitland Park (69 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.