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Flood insurance cost · ZIP 32960 · FL

Flood insurance cost in ZIP 32960 (Vero Beach, FL)

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 824 home policies in force on August 31, 2026.

ZIP code 32960 (Vero Beach, FL)Policies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,262a year

Half of insured homes paid between $840 and $2,218. That is 25% more than the Indian River County median ($1,010). Most insured homes here are rated in zone X (57%).

$0$840 · $1,262 · $2,218$2,772
+14.5% vs Aug 31, 2025 (median $1,102)
824home policies in force
$1,679average cost (mean)
43%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 32960

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		$2,134$1,342–$2,917$2,283352 (43%)+12.4%
Zone X
Moderate to low risk		$1,042$707–$1,308$1,229472 (57%)+12.5%

Not shown (fewer than 10 home policies): VE, A, 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 32960, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home667$1,308$1,762
2–4 unit building32$1,772$1,662
Manufactured (mobile) home25$2,433$2,349
Condo or apartment unit100$939$962
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.		119$6,336$6,035
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		169$2,944$3,683
1,112NFIP policies in force, any building
1,749insured 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 32960

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 force922824−10.6%
Median annual cost$1,102$1,262+14.5%
Average annual cost$1,529$1,679+9.8%
All policies in force (any building)1,2521,112−11.2%

Flood claims history

Since 1978, NFIP policyholders in ZIP 32960 have filed 922 flood claims. 674 received a payment, for a total of $24.8 million (an average of $36,722 per paid claim). The year with the most claims was 2004 (639 claims). Amounts are in dollars of the time, not adjusted for inflation.

02004006008001979: 27 claims, 21 paid, $22,395 in total198019901993: 11 claims1999: 20 claims, 12 paid, $115,094 in total20002002: 20 claims, 15 paid, $171,675 in total2004: 639 claims, 481 paid, $18,365,271 in total20042008: 14 claims, 10 paid, $34,499 in total20102011: 22 claims, 10 paid, $145,909 in total2016: 38 claims, 33 paid, $1,090,205 in total20162017: 43 claims, 34 paid, $1,680,445 in total201720202024: 34 claims, 32 paid, $2,827,910 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
20243432$2,827,910$88,372
20174334$1,680,445$49,425
20163833$1,090,205$33,037
20112210$145,909$14,591
20081410$34,499$3,450
2004639481$18,365,271$38,181
20022015$171,675$11,445
19992012$115,094$9,591
199311<10––
19792721$22,395$1,066

From 2016 to 2026: 115 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

Vero Beach (433 home policies) · Unincorporated Indian River County (391 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.