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Flood insurance cost · ZIP 33037 · FL

Flood insurance cost in ZIP 33037 (unincorporated Monroe County, FL)

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 3,698 home policies in force on August 31, 2026.

ZIP code 33037 (unincorporated Monroe County, FL)Policies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,731a year

Half of insured homes paid between $1,105 and $3,018. That is 13% less than the Monroe County median ($1,986). Most insured homes here are rated in zone AE (87%).

$0$1,105 · $1,731 · $3,018$3,772
+11.5% vs Aug 31, 2025 (median $1,552)
3,698home policies in force
$2,425average cost (mean)
94%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 33037

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		$4,867$2,532–$7,016$5,089238 (6%)+3.5%
Zone AE
High risk		$1,744$1,101–$2,882$2,3093,221 (87%)+12.8%
Zone X
Moderate to low risk		$1,234$1,082–$1,413$1,330239 (6%)+14.7%

Not shown (fewer than 10 home policies): 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 33037, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home3,050$1,796$2,572
2–4 unit building50$1,858$2,630
Manufactured (mobile) home292$1,878$1,927
Condo or apartment unit306$965$1,395
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.		298$6,481$7,530
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		293$4,036$5,381
4,289NFIP policies in force, any building
5,886insured units (condo association policies count every unit)
70%of home policies also cover contents
$100,000median contents coverage, when bought

One year on: ZIP code 33037

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 force3,8243,698−3.3%
Median annual cost$1,552$1,731+11.5%
Average annual cost$2,222$2,425+9.1%
All policies in force (any building)4,4204,289−3.0%

Flood claims history

Since 1978, NFIP policyholders in ZIP 33037 have filed 2,565 flood claims. 1,594 received a payment, for a total of $40.3 million (an average of $25,281 per paid claim). The year with the most claims was 2017 (1,017 claims). Amounts are in dollars of the time, not adjusted for inflation.

05001k1.5k2k198019901992: 145 claims1994: 47 claims, 26 paid, $340,621 in total1998: 274 claims, 94 paid, $639,442 in total19981999: 235 claims, 164 paid, $1,370,323 in total20002004: 16 claims2005: 690 claims, 579 paid, $11,236,609 in total200520102017: 1,017 claims, 642 paid, $25,154,983 in total20172020: 13 claims20202022: 39 claims, 33 paid, $680,971 in total2023: 16 claims, 11 paid, $468,536 in total2024: 11 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 (11)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
202411<10––
20231611$468,536$42,594
20223933$680,971$20,635
202013<10––
20171,017642$25,154,983$39,182
2005690579$11,236,609$19,407
200416<10––
1999235164$1,370,323$8,356
199827494$639,442$6,803
19944726$340,621$13,101
1992145<10––

From 2016 to 2026: 1,096 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 Monroe County (3,697 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.