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Flood insurance cost · ZIP 33917 · FL

Flood insurance cost in ZIP 33917 (unincorporated Lee County, FL)

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 3,287 home policies in force on August 31, 2026.

ZIP code 33917 (unincorporated Lee County, FL)Policies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,355a year

Half of insured homes paid between $824 and $2,782. That is 20% less than the Lee County median ($1,695). Most insured homes here are rated in zone AE (76%).

$0$824 · $1,355 · $2,782$3,478
+9.7% vs Aug 31, 2025 (median $1,235)
3,287home policies in force
$1,975average cost (mean)
84%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 33917

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		$4,874$2,980–$7,370$5,12426 (1%)+16.0%
Zone AE
High risk		$1,948$1,099–$3,013$2,3112,505 (76%)+12.7%
Zone A
High risk		$553$503–$711$620236 (7%)+1.8%
Zone X
Moderate to low risk		$657$529–$971$813517 (16%)+2.2%

Not shown (fewer than 10 home policies): 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 33917, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home2,534$1,363$2,100
2–4 unit building31$2,238$2,325
Manufactured (mobile) home563$1,425$1,617
Condo or apartment unit159$894$1,168
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.		135$10,728$12,694
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		69$3,376$4,498
3,491NFIP policies in force, any building
4,317insured units (condo association policies count every unit)
63%of home policies also cover contents
$62,000median contents coverage, when bought

One year on: ZIP code 33917

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 force3,4293,287−4.1%
Median annual cost$1,235$1,355+9.7%
Average annual cost$1,781$1,975+10.9%
All policies in force (any building)3,6643,491−4.7%

Flood claims history

Since 1978, NFIP policyholders in ZIP 33917 have filed 1,913 flood claims. 1,607 received a payment, for a total of $166.9 million (an average of $103,862 per paid claim). The year with the most claims was 2022 (1,184 claims). Amounts are in dollars of the time, not adjusted for inflation.

05001k1.5k2k19801988: 26 claims, 22 paid, $125,271 in total19901995: 18 claims, 13 paid, $32,983 in total20002001: 32 claims, 27 paid, $655,064 in total2004: 64 claims, 26 paid, $123,870 in total2005: 13 claims20102017: 119 claims, 71 paid, $2,155,184 in total201720202022: 1,184 claims, 1,083 paid, $142,701,304 in total20222024: 365 claims, 314 paid, $20,587,230 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 (8)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
2024365314$20,587,230$65,564
20221,1841,083$142,701,304$131,765
201711971$2,155,184$30,355
200513<10––
20046426$123,870$4,764
20013227$655,064$24,262
19951813$32,983$2,537
19882622$125,271$5,694

From 2016 to 2026: 1,668 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 Lee County (3,283 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.