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Flood insurance cost · ZIP 32456 · FL

Flood insurance cost in ZIP 32456 (unincorporated Gulf County, FL)

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 1,829 home policies in force on August 31, 2026.

ZIP code 32456 (unincorporated Gulf County, FL)Policies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,459a year

Half of insured homes paid between $1,210 and $2,088. That is about the same as the Gulf County median ($1,450). Most insured homes here are rated in zone AE (62%).

$0$1,210 · $1,459 · $2,088$2,610
+12.1% vs Aug 31, 2025 (median $1,301)
1,829home policies in force
$1,793average cost (mean)
71%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 32456

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		$1,589$1,327–$3,186$2,493136 (7%)+6.5%
Zone AE
High risk		$1,635$1,269–$2,281$1,9481,125 (62%)+9.6%
Zone A
High risk		$1,548$1,231–$1,827$1,62640 (2%)+5.4%
Zone X
Moderate to low risk		$1,264$1,080–$1,432$1,296528 (29%)+16.6%

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 32456, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home1,731$1,462$1,807
2–4 unit building31$1,489$2,025
Manufactured (mobile) home48$1,246$1,473
Condo or apartment unit19$771$940
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.		20$5,964$9,805
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		80$5,296$5,558
1,929NFIP policies in force, any building
2,274insured 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 32456

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 force1,9321,829−5.3%
Median annual cost$1,301$1,459+12.1%
Average annual cost$1,639$1,793+9.4%
All policies in force (any building)2,0371,929−5.3%

Flood claims history

Since 1978, NFIP policyholders in ZIP 32456 have filed 2,300 flood claims. 2,040 received a payment, for a total of $188.4 million (an average of $92,357 per paid claim). The year with the most claims was 2018 (1,520 claims). Amounts are in dollars of the time, not adjusted for inflation.

05001k1.5k2k19801985: 95 claims, 78 paid, $1,223,690 in total19901993: 10 claims1995: 355 claims, 303 paid, $6,642,186 in total19951998: 55 claims, 37 paid, $469,506 in total20002004: 23 claims, 13 paid, $1,014,380 in total2005: 150 claims, 123 paid, $1,941,189 in total200520102018: 1,520 claims, 1,419 paid, $175,516,766 in total20182020: 14 claims20202024: 13 claims
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
202413<10––
202014<10––
20181,5201,419$175,516,766$123,690
2005150123$1,941,189$15,782
20042313$1,014,380$78,029
19985537$469,506$12,689
1995355303$6,642,186$21,921
199310<10––
19859578$1,223,690$15,688

From 2016 to 2026: 1,547 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 Gulf County (718 home policies) · Port St. Joe (712 home policies) · Mexico Beach (384 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.