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Flood insurance cost · ZIP 32506 · FL

Flood insurance cost in ZIP 32506 (unincorporated Escambia County, FL)

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 1,550 home policies in force on August 31, 2026.

ZIP code 32506 (unincorporated Escambia County, FL)Policies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$778a year

Half of insured homes paid between $568 and $1,087. That is 15% less than the Escambia County median ($914). Most insured homes here are rated in zone X (53%).

$0$568 · $778 · $1,087$1,359
−3.2% vs Aug 31, 2025 (median $804)
1,550home policies in force
$955average cost (mean)
47%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 32506

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		$1,142$674–$1,573$1,528300 (19%)+14.7%
Zone A
High risk		$634$520–$819$702412 (27%)−6.6%
Zone AH
High risk, shallow		$905$833–$939$85512 (1%)+15.3%
Zone X
Moderate to low risk		$805$571–$1,086$866823 (53%)+3.9%

Not shown (fewer than 10 home policies): VE, AO, 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 32506, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home1,492$788$957
2–4 unit building15$702$1,384
Manufactured (mobile) home32$802$828
Condo or apartment unit11$457$479
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$1,706$2,246
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		25$1,296$1,489
1,595NFIP policies in force, any building
1,595insured 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 32506

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 force1,4831,550+4.5%
Median annual cost$804$778−3.2%
Average annual cost$939$955+1.7%
All policies in force (any building)1,5211,595+4.9%

Flood claims history

Since 1978, NFIP policyholders in ZIP 32506 have filed 1,648 flood claims. 1,355 received a payment, for a total of $57.6 million (an average of $42,501 per paid claim). The year with the most claims was 2014 (551 claims). Amounts are in dollars of the time, not adjusted for inflation.

02004006008001979: 33 claims, 27 paid, $184,323 in total198019901995: 47 claims, 29 paid, $387,330 in total1998: 93 claims, 70 paid, $1,547,441 in total20002002: 13 claims, 10 paid, $38,203 in total2004: 159 claims, 119 paid, $7,568,000 in total2005: 42 claims, 32 paid, $810,840 in total2007: 11 claims20102012: 192 claims, 165 paid, $3,646,789 in total20122014: 551 claims, 484 paid, $22,237,775 in total20142020: 409 claims, 344 paid, $19,921,880 in total202020202023: 36 claims, 36 paid, $918,102 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 (11)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
20233636$918,102$25,503
2020409344$19,921,880$57,912
2014551484$22,237,775$45,946
2012192165$3,646,789$22,102
200711<10––
20054232$810,840$25,339
2004159119$7,568,000$63,597
20021310$38,203$3,820
19989370$1,547,441$22,106
19954729$387,330$13,356
19793327$184,323$6,827

From 2016 to 2026: 445 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 Escambia County (1,549 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.