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Flood insurance cost · ZIP 32327 · FL

Flood insurance cost in ZIP 32327 (unincorporated Wakulla County, FL)

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 748 home policies in force on August 31, 2026.

ZIP code 32327 (unincorporated Wakulla County, FL)Policies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,496a year

Half of insured homes paid between $1,114 and $2,885. That is 9% less than the Wakulla County median ($1,637). The most common flood zone for insured homes here is zone AE (38%).

$0$1,114 · $1,496 · $2,885$3,606
+12.6% vs Aug 31, 2025 (median $1,329)
748home policies in force
$2,252average cost (mean)
81%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 32327

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		$4,656$3,351–$5,724$4,614168 (22%)+3.4%
Zone AE
High risk		$1,595$1,265–$2,497$1,939283 (38%)+15.7%
Zone A
High risk		$1,218$973–$1,465$1,295156 (21%)+8.6%
Zone X
Moderate to low risk		$1,096$922–$1,267$1,125141 (19%)+17.6%

Not shown (fewer than 10 home policies): 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 32327, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home643$1,471$2,311
Manufactured (mobile) home102$1,692$1,902
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		10$4,522$4,313

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

759NFIP policies in force, any building
759insured units (condo association policies count every unit)
62%of home policies also cover contents
$69,000median contents coverage, when bought

One year on: ZIP code 32327

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 force777748−3.7%
Median annual cost$1,329$1,496+12.6%
Average annual cost$2,037$2,252+10.6%
All policies in force (any building)798759−4.9%

Flood claims history

Since 1978, NFIP policyholders in ZIP 32327 have filed 775 flood claims. 618 received a payment, for a total of $14.8 million (an average of $23,974 per paid claim). The year with the most claims was 2005 (243 claims). Amounts are in dollars of the time, not adjusted for inflation.

010020030040019801985: 135 claims, 104 paid, $893,133 in total198519901994: 15 claims, 11 paid, $52,289 in total1995: 62 claims, 49 paid, $530,836 in total1998: 112 claims, 88 paid, $1,526,150 in total20002005: 243 claims, 209 paid, $6,525,936 in total20052008: 10 claims20102012: 17 claims, 10 paid, $261,733 in total2016: 16 claims, 14 paid, $635,152 in total2018: 122 claims, 103 paid, $3,862,673 in total201820202024: 14 claims, 10 paid, $278,403 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 (10)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
20241410$278,403$27,840
2018122103$3,862,673$37,502
20161614$635,152$45,368
20121710$261,733$26,173
200810<10––
2005243209$6,525,936$31,225
199811288$1,526,150$17,343
19956249$530,836$10,833
19941511$52,289$4,754
1985135104$893,133$8,588

From 2016 to 2026: 152 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

Unincorporated Wakulla County (745 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.