Flood insurance cost · ZIP 34104 · FL

Flood insurance cost in ZIP 34104 (unincorporated Collier County, FL)

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 1,855 home policies in force on August 31, 2026.

ZIP code 34104 (unincorporated Collier County, FL)Policies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,580a year

Half of insured homes paid between $1,086 and $2,756. That is 21% more than the Collier County median ($1,309). Most insured homes here are rated in zone AE (62%).

$0$1,086 · $1,580 · $2,756$3,445

+19.1% vs Aug 31, 2025 (median $1,327)

1,855home policies in force

$2,131average cost (mean)

73%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 34104

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	$2,093	$1,281–$3,671	$2,656	1,146 (62%)	+15.0%
Zone AH High risk, shallow	$1,148	$920–$1,597	$1,248	205 (11%)	+16.7%
Zone X Moderate to low risk	$1,251	$1,082–$1,310	$1,296	504 (27%)	+16.3%

Not shown (fewer than 10 home policies): VE, A, AO, 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 34104, by what they insure.

Type of building	Policies	Median	Average
Single-family home	1,576	$1,686	$2,230
2–4 unit building	51	$4,538	$3,792
Manufactured (mobile) home	39	$1,905	$1,699
Condo or apartment unit	189	$935	$949
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.	118	$4,264	$4,188
Non-residential building or unit Businesses, churches, farm buildings and other non-residential property.	361	$3,943	$5,936

2,334NFIP policies in force, any building

2,804insured units (condo association policies count every unit)

74%of home policies also cover contents

$100,000median contents coverage, when bought

One year on: ZIP code 34104

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	2,042	1,855	−9.2%
Median annual cost	$1,327	$1,580	+19.1%
Average annual cost	$1,858	$2,131	+14.7%
All policies in force (any building)	2,532	2,334	−7.8%

Flood claims history

Since 1978, NFIP policyholders in ZIP 34104 have filed 954 flood claims. 816 received a payment, for a total of $77.1 million (an average of $94,462 per paid claim). The year with the most claims was 2022 (553 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 (8)

Swipe the table sideways to see all columns.

Year of loss	Claims	Paid claims	Total paid	Average per paid claim
2024	127	112	$7,362,367	$65,735
2022	553	516	$63,116,680	$122,319
2020	14	<10	–	–
2017	147	104	$5,432,492	$52,236
2005	12	<10	–	–
2001	15	11	$137,534	$12,503
1999	10	<10	–	–
1995	38	33	$271,028	$8,213

From 2016 to 2026: 841 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 Collier County (1,840 home policies) · Naples (15 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.