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Flood insurance cost · ZIP 34135 · FL

Flood insurance cost in ZIP 34135 (Bonita Springs, FL)

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 4,230 home policies in force on August 31, 2026.

ZIP code 34135 (Bonita Springs, FL)Policies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,294a year

Half of insured homes paid between $1,089 and $2,071. That is 24% less than the Lee County median ($1,695). The most common flood zone for insured homes here is zone X (50%).

$0$1,089 · $1,294 · $2,071$2,589
+14.6% vs Aug 31, 2025 (median $1,129)
4,230home policies in force
$1,806average cost (mean)
50%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 34135

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		$2,014$1,378–$2,931$2,4112,089 (49%)+9.4%
Zone AH
High risk, shallow		$1,212$1,067–$1,314$1,21326 (1%)+17.7%
Zone X
Moderate to low risk		$1,234$1,084–$1,269$1,2162,114 (50%)+14.2%

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 34135, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home3,408$1,304$1,881
2–4 unit building151$2,322$2,414
Manufactured (mobile) home325$1,705$1,749
Condo or apartment unit346$818$848
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.		143$5,554$6,176
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		129$5,170$5,637
4,502NFIP policies in force, any building
5,352insured units (condo association policies count every unit)
80%of home policies also cover contents
$100,000median contents coverage, when bought

One year on: ZIP code 34135

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 force4,7654,230−11.2%
Median annual cost$1,129$1,294+14.6%
Average annual cost$1,610$1,806+12.2%
All policies in force (any building)5,0504,502−10.9%

Flood claims history

Since 1978, NFIP policyholders in ZIP 34135 have filed 1,284 flood claims. 991 received a payment, for a total of $63.3 million (an average of $63,840 per paid claim). The year with the most claims was 2022 (477 claims). Amounts are in dollars of the time, not adjusted for inflation.

0200400600800198019901992: 19 claims, 14 paid, $117,941 in total1995: 148 claims, 122 paid, $1,548,207 in total20002001: 16 claims, 13 paid, $311,904 in total2004: 15 claims2008: 37 claims, 31 paid, $612,382 in total20102017: 358 claims, 250 paid, $11,218,392 in total201720202022: 477 claims, 393 paid, $37,474,767 in total20222024: 157 claims, 141 paid, $11,668,477 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
2024157141$11,668,477$82,755
2022477393$37,474,767$95,356
2017358250$11,218,392$44,874
20083731$612,382$19,754
200415<10––
20011613$311,904$23,993
1995148122$1,548,207$12,690
19921914$117,941$8,424

From 2016 to 2026: 992 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

Bonita Springs (3,621 home policies) · Estero (584 home policies) · Unincorporated Lee County (25 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.