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Flood insurance cost · ZIP 34112 · FL

Flood insurance cost in ZIP 34112 (unincorporated Collier County, FL)

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 3,900 home policies in force on August 31, 2026.

ZIP code 34112 (unincorporated Collier County, FL)Policies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,654a year

Half of insured homes paid between $1,086 and $2,807. That is 26% more than the Collier County median ($1,309). Most insured homes here are rated in zone AE (85%).

$0$1,086 · $1,654 · $2,807$3,509
+17.8% vs Aug 31, 2025 (median $1,404)
3,900home policies in force
$2,138average cost (mean)
91%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 34112

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		$1,816$1,161–$3,039$2,2763,321 (85%)+16.0%
Zone AH
High risk, shallow		$1,064$870–$1,610$1,274210 (5%)+21.9%
Zone X
Moderate to low risk		$1,121$936–$1,309$1,389369 (9%)+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 34112, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home2,684$1,775$2,312
2–4 unit building191$2,959$3,080
Manufactured (mobile) home307$1,929$2,055
Condo or apartment unit718$1,054$1,272
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.		720$3,751$5,757
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		216$3,511$6,192
4,836NFIP policies in force, any building
8,392insured units (condo association policies count every unit)
69%of home policies also cover contents
$67,000median contents coverage, when bought

One year on: ZIP code 34112

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 force4,1573,900−6.2%
Median annual cost$1,404$1,654+17.8%
Average annual cost$1,889$2,138+13.2%
All policies in force (any building)5,1694,836−6.4%

Flood claims history

Since 1978, NFIP policyholders in ZIP 34112 have filed 1,589 flood claims. 1,167 received a payment, for a total of $83.2 million (an average of $71,297 per paid claim). The year with the most claims was 2022 (780 claims). Amounts are in dollars of the time, not adjusted for inflation.

020040060080019801985: 14 claims19901995: 77 claims, 52 paid, $381,648 in total1999: 15 claims20002001: 18 claims, 12 paid, $90,396 in total2003: 13 claims, 11 paid, $22,810 in total2005: 55 claims, 19 paid, $289,772 in total20102017: 226 claims, 128 paid, $4,037,460 in total201720202022: 780 claims, 688 paid, $63,024,721 in total20222024: 310 claims, 216 paid, $14,941,658 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 (9)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
2024310216$14,941,658$69,174
2022780688$63,024,721$91,606
2017226128$4,037,460$31,543
20055519$289,772$15,251
20031311$22,810$2,074
20011812$90,396$7,533
199915<10––
19957752$381,648$7,339
198514<10––

From 2016 to 2026: 1,316 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 (3,893 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.