Menu

Flood insurance cost · ZIP 33931 · FL

Flood insurance cost in ZIP 33931 (Fort Myers Beach, FL)

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 2,190 home policies in force on August 31, 2026.

ZIP code 33931 (Fort Myers Beach, FL)Policies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$3,822a year

Half of insured homes paid between $1,847 and $5,901. That is 125% more than the Lee County median ($1,695). Most insured homes here are rated in zone AE (84%).

$0$1,847 · $3,822 · $5,901$7,376
+17.9% vs Aug 31, 2025 (median $3,243)
2,190home policies in force
$4,078average cost (mean)
100%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 33931

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		$2,683$1,285–$5,928$3,763345 (16%)+17.5%
Zone AE
High risk		$4,018$1,984–$5,897$4,1371,844 (84%)+16.5%

Not shown (fewer than 10 home policies): A, AO, AH, A99/AR, X, 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 33931, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home1,321$4,964$4,805
2–4 unit building211$5,379$5,304
Manufactured (mobile) home388$2,676$2,791
Condo or apartment unit270$1,118$1,413
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.		256$17,054$32,475
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		182$7,370$9,286
2,628NFIP policies in force, any building
8,469insured units (condo association policies count every unit)
64%of home policies also cover contents
$50,000median contents coverage, when bought

One year on: ZIP code 33931

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 force2,2152,190−1.1%
Median annual cost$3,243$3,822+17.9%
Average annual cost$3,638$4,078+12.1%
All policies in force (any building)2,6802,628−1.9%

Flood claims history

Since 1978, NFIP policyholders in ZIP 33931 have filed 7,645 flood claims. 6,406 received a payment, for a total of $710.2 million (an average of $110,868 per paid claim). The year with the most claims was 2022 (2,633 claims). Amounts are in dollars of the time, not adjusted for inflation.

01k2k3k4k1979: 14 claims, 11 paid, $9,752 in total19801982: 91 claims, 57 paid, $78,270 in total1985: 107 claims, 71 paid, $195,059 in total1988: 328 claims, 243 paid, $1,193,677 in total19901992: 14 claims1993: 48 claims, 37 paid, $247,820 in total1995: 50 claims, 36 paid, $230,741 in total2000: 19 claims, 18 paid, $96,714 in total20002001: 807 claims, 688 paid, $9,603,055 in total2003: 15 claims, 10 paid, $50,303 in total2004: 1,893 claims, 1,579 paid, $35,104,451 in total20042005: 30 claims, 15 paid, $148,275 in total2006: 10 claims20102012: 13 claims2016: 14 claims, 11 paid, $195,200 in total2017: 197 claims, 88 paid, $2,166,993 in total2020: 15 claims, 10 paid, $273,703 in total20202022: 2,633 claims, 2,398 paid, $576,437,710 in total20222023: 20 claims, 10 paid, $624,480 in total2024: 1,248 claims, 1,060 paid, $82,979,134 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 (20)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
20241,2481,060$82,979,134$78,282
20232010$624,480$62,448
20222,6332,398$576,437,710$240,383
20201510$273,703$27,370
201719788$2,166,993$24,625
20161411$195,200$17,745
201213<10––
200610<10––
20053015$148,275$9,885
20041,8931,579$35,104,451$22,232
20031510$50,303$5,030
2001807688$9,603,055$13,958
20001918$96,714$5,373
19955036$230,741$6,409
19934837$247,820$6,698
199214<10––
1988328243$1,193,677$4,912
198510771$195,059$2,747
19829157$78,270$1,373
19791411$9,752$887

From 2016 to 2026: 4,127 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

Fort Myers Beach (1,447 home policies) · Unincorporated Lee County (741 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.