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Flood insurance cost · ZIP 33919 · FL

Flood insurance cost in ZIP 33919 (unincorporated Lee County, FL)

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 5,124 home policies in force on August 31, 2026.

ZIP code 33919 (unincorporated Lee County, FL)Policies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,974a year

Half of insured homes paid between $1,234 and $3,100. That is 16% more than the Lee County median ($1,695). Most insured homes here are rated in zone AE (86%).

$0$1,234 · $1,974 · $3,100$3,875
+17.2% vs Aug 31, 2025 (median $1,684)
5,124home policies in force
$2,358average cost (mean)
86%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 33919

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		$2,216$1,295–$3,390$2,5294,415 (86%)+14.7%
Zone X
Moderate to low risk		$1,235$1,080–$1,264$1,256700 (14%)+16.1%

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 33919, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home3,950$2,321$2,714
2–4 unit building78$1,516$1,985
Condo or apartment unit1,096$974$1,103
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.		1,083$7,171$8,133
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		261$5,013$6,420

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

6,468NFIP policies in force, any building
12,666insured units (condo association policies count every unit)
72%of home policies also cover contents
$83,000median contents coverage, when bought

One year on: ZIP code 33919

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 force5,3825,124−4.8%
Median annual cost$1,684$1,974+17.2%
Average annual cost$2,079$2,358+13.4%
All policies in force (any building)6,7386,468−4.0%

Flood claims history

Since 1978, NFIP policyholders in ZIP 33919 have filed 1,717 flood claims. 1,105 received a payment, for a total of $128.5 million (an average of $116,296 per paid claim). The year with the most claims was 2022 (1,110 claims). Amounts are in dollars of the time, not adjusted for inflation.

05001k1.5k2k19801982: 16 claims1985: 20 claims, 12 paid, $19,980 in total1988: 18 claims, 10 paid, $56,568 in total19901995: 21 claims, 10 paid, $41,179 in total2000: 19 claims, 10 paid, $32,822 in total20002001: 20 claims2004: 63 claims, 13 paid, $114,691 in total2005: 32 claims, 12 paid, $181,334 in total20102017: 132 claims, 83 paid, $8,931,627 in total201720202022: 1,110 claims, 794 paid, $108,517,811 in total20222024: 149 claims, 113 paid, $10,237,046 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 (11)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
2024149113$10,237,046$90,593
20221,110794$108,517,811$136,672
201713283$8,931,627$107,610
20053212$181,334$15,111
20046313$114,691$8,822
200120<10––
20001910$32,822$3,282
19952110$41,179$4,118
19881810$56,568$5,657
19852012$19,980$1,665
198216<10––

From 2016 to 2026: 1,391 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 (5,057 home policies) · Fort Myers (67 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.