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Flood insurance cost · ZIP 33708 · FL

Flood insurance cost in ZIP 33708 (Madeira Beach, FL)

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 2,845 home policies in force on August 31, 2026.

ZIP code 33708 (Madeira Beach, FL)Policies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$3,479a year

Half of insured homes paid between $1,282 and $5,509. That is 148% more than the Pinellas County median ($1,404). Most insured homes here are rated in zone AE (87%).

$0$1,282 · $3,479 · $5,509$6,886
+7.6% vs Aug 31, 2025 (median $3,234)
2,845home policies in force
$3,666average cost (mean)
95%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 33708

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		$4,233$1,453–$6,477$4,254229 (8%)+13.4%
Zone AE
High risk		$3,692$1,445–$5,552$3,7632,476 (87%)+7.3%
Zone X
Moderate to low risk		$1,052$657–$1,257$988140 (5%)+13.2%

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 33708, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home2,212$4,132$4,053
2–4 unit building193$4,530$4,597
Manufactured (mobile) home36$2,428$2,344
Condo or apartment unit404$988$1,222
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.		286$13,320$19,807
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		155$6,183$7,703
3,286NFIP policies in force, any building
9,219insured units (condo association policies count every unit)
71%of home policies also cover contents
$63,000median contents coverage, when bought

One year on: ZIP code 33708

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 force3,0512,845−6.8%
Median annual cost$3,234$3,479+7.6%
Average annual cost$3,381$3,666+8.4%
All policies in force (any building)4,2323,286−22.4%

Flood claims history

Since 1978, NFIP policyholders in ZIP 33708 have filed 7,627 flood claims. 6,451 received a payment, for a total of $536.9 million (an average of $83,232 per paid claim). The year with the most claims was 2024 (3,049 claims). Amounts are in dollars of the time, not adjusted for inflation.

01k2k3k4k1979: 57 claims, 36 paid, $32,405 in total19801981: 13 claims1982: 530 claims, 428 paid, $1,413,914 in total1983: 10 claims1985: 1,480 claims, 1,248 paid, $10,878,567 in total19851986: 32 claims, 26 paid, $69,278 in total1987: 16 claims, 10 paid, $51,553 in total1988: 81 claims, 49 paid, $80,017 in total19901992: 15 claims1993: 274 claims, 185 paid, $1,796,841 in total1995: 49 claims, 41 paid, $265,467 in total1996: 739 claims, 671 paid, $9,378,365 in total19961997: 22 claims, 15 paid, $44,628 in total1998: 17 claims1999: 11 claims2000: 100 claims, 78 paid, $997,552 in total20002001: 16 claims2002: 14 claims2003: 17 claims2004: 42 claims, 29 paid, $344,447 in total2005: 19 claims, 13 paid, $106,477 in total20102012: 109 claims, 85 paid, $2,044,305 in total2016: 37 claims, 27 paid, $743,948 in total2017: 25 claims2020: 350 claims, 322 paid, $18,729,111 in total20202023: 432 claims, 379 paid, $21,206,011 in total2024: 3,049 claims, 2,722 paid, $468,014,968 in total2024
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 (27)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
20243,0492,722$468,014,968$171,938
2023432379$21,206,011$55,953
2020350322$18,729,111$58,165
201725<10––
20163727$743,948$27,554
201210985$2,044,305$24,051
20051913$106,477$8,191
20044229$344,447$11,877
200317<10––
200214<10––
200116<10––
200010078$997,552$12,789
199911<10––
199817<10––
19972215$44,628$2,975
1996739671$9,378,365$13,977
19954941$265,467$6,475
1993274185$1,796,841$9,713
199215<10––
19888149$80,017$1,633
19871610$51,553$5,155
19863226$69,278$2,665
19851,4801,248$10,878,567$8,717
198310<10––
1982530428$1,413,914$3,304
198113<10––
19795736$32,405$900

From 2016 to 2026: 3,893 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

Madeira Beach (941 home policies) · Redington Shores (580 home policies) · Unincorporated Pinellas County (531 home policies) · Redington Beach (442 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.