Flood insurance cost · ZIP 33401 · FL

Flood insurance cost in ZIP 33401 (West Palm Beach, FL)

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 474 home policies in force on August 31, 2026.

ZIP code 33401 (West Palm Beach, FL)Policies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$610a year

Half of insured homes paid between $500 and $833. That is 12% less than the Palm Beach County median ($695). Most insured homes here are rated in zone X (67%).

$0$500 · $610 · $833$1,041

+0.2% vs Aug 31, 2025 (median $609)

474home policies in force

$703average cost (mean)

33%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 33401

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 zone	Median	Middle half (25th–75th percentile)	Average	Policies	vs last year
Zone AE High risk	$845	$617–$1,069	$910	157 (33%)	+5.1%
Zone X Moderate to low risk	$552	$493–$687	$601	317 (67%)	−0.5%

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 33401, by what they insure.

Type of building	Policies	Median	Average
Single-family home	346	$650	$767
2–4 unit building	25	$697	$718
Condo or apartment unit	103	$419	$485
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.	41	$3,351	$6,709
Non-residential building or unit Businesses, churches, farm buildings and other non-residential property.	166	$1,760	$2,152

Not shown (fewer than 10 policies): manufactured (mobile) home.

681NFIP policies in force, any building

3,439insured units (condo association policies count every unit)

87%of home policies also cover contents

$100,000median contents coverage, when bought

One year on: ZIP code 33401

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, 2025	Aug 31, 2026	Change
Home policies in force	467	474	+1.5%
Median annual cost	$609	$610	+0.2%
Average annual cost	$690	$703	+1.9%
All policies in force (any building)	676	681	+0.7%

Flood claims history

Since 1978, NFIP policyholders in ZIP 33401 have filed 178 flood claims. 114 received a payment, for a total of $1,773,880 (an average of $15,560 per paid claim). The year with the most claims was 2004 (58 claims). Amounts are in dollars of the time, not adjusted for inflation.

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 (4)

Swipe the table sideways to see all columns.

Year of loss	Claims	Paid claims	Total paid	Average per paid claim
2004	58	42	$1,271,568	$30,275
2000	10	<10	–	–
1999	19	15	$144,178	$9,612
1982	34	25	$33,312	$1,332

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

West Palm Beach (474 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.