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Flood insurance cost · ZIP 32168 · FL

Flood insurance cost in ZIP 32168 (New Smyrna Beach, FL)

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 3,268 home policies in force on August 31, 2026.

ZIP code 32168 (New Smyrna Beach, FL)Policies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$926a year

Half of insured homes paid between $706 and $1,117. That is 5% more than the Volusia County median ($886). The most common flood zone for insured homes here is zone X (50%).

$0$706 · $926 · $1,117$1,396
+3.7% vs Aug 31, 2025 (median $893)
3,268home policies in force
$972average cost (mean)
50%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 32168

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		$1,042$889–$1,262$1,1531,343 (41%)+4.4%
Zone A
High risk		$669$544–$879$726297 (9%)+6.5%
Zone X
Moderate to low risk		$841$627–$1,070$8681,627 (50%)+2.4%

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 32168, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home3,007$928$976
2–4 unit building38$1,060$1,072
Manufactured (mobile) home166$982$1,024
Condo or apartment unit57$530$557
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.		51$1,755$2,351
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		137$2,434$3,094
3,456NFIP policies in force, any building
3,567insured units (condo association policies count every unit)
89%of home policies also cover contents
$100,000median contents coverage, when bought

One year on: ZIP code 32168

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 force3,3023,268−1.0%
Median annual cost$893$926+3.7%
Average annual cost$930$972+4.5%
All policies in force (any building)3,5093,456−1.5%

Flood claims history

Since 1978, NFIP policyholders in ZIP 32168 have filed 1,474 flood claims. 1,204 received a payment, for a total of $75.8 million (an average of $62,981 per paid claim). The year with the most claims was 2022 (780 claims). Amounts are in dollars of the time, not adjusted for inflation.

0200400600800198019901994: 51 claims, 39 paid, $206,472 in total1999: 31 claims, 14 paid, $133,975 in total2000: 14 claims20002001: 29 claims, 24 paid, $58,625 in total2004: 109 claims, 74 paid, $1,665,341 in total20042008: 19 claims, 14 paid, $199,613 in total2009: 27 claims, 16 paid, $93,444 in total20102014: 24 claims, 14 paid, $260,526 in total2016: 64 claims, 43 paid, $1,134,547 in total2017: 55 claims, 37 paid, $1,625,134 in total20202022: 780 claims, 699 paid, $59,817,222 in total20222024: 214 claims, 197 paid, $10,254,992 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 (12)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
2024214197$10,254,992$52,056
2022780699$59,817,222$85,575
20175537$1,625,134$43,923
20166443$1,134,547$26,385
20142414$260,526$18,609
20092716$93,444$5,840
20081914$199,613$14,258
200410974$1,665,341$22,505
20012924$58,625$2,443
200014<10––
19993114$133,975$9,570
19945139$206,472$5,294

From 2016 to 2026: 1,113 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

New Smyrna Beach (2,160 home policies) · Unincorporated Volusia County (1,060 home policies) · Edgewater (47 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.