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Flood insurance cost · ZIP 34208 · FL

Flood insurance cost in ZIP 34208 (Bradenton, FL)

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 1,756 home policies in force on August 31, 2026.

ZIP code 34208 (Bradenton, FL)Policies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,488a year

Half of insured homes paid between $1,158 and $2,117. That is 62% more than the Manatee County median ($920). Most insured homes here are rated in zone AE (80%).

$0$1,158 · $1,488 · $2,117$2,646
+11.3% vs Aug 31, 2025 (median $1,337)
1,756home policies in force
$1,802average cost (mean)
84%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 34208

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		$1,619$1,081–$3,642$2,67521 (1%)+10.3%
Zone AE
High risk		$1,670$1,260–$2,230$1,9471,410 (80%)+13.4%
Zone A
High risk		$943$742–$1,170$1,01439 (2%)+0.1%
Zone X
Moderate to low risk		$1,166$958–$1,269$1,134282 (16%)+12.9%

Not shown (fewer than 10 home policies): 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 34208, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home1,642$1,528$1,839
2–4 unit building22$1,111$1,509
Manufactured (mobile) home32$1,481$1,584
Condo or apartment unit60$841$1,014
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.		151$3,656$4,852
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		105$2,046$3,327
2,012NFIP policies in force, any building
2,315insured units (condo association policies count every unit)
79%of home policies also cover contents
$100,000median contents coverage, when bought

One year on: ZIP code 34208

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 force1,8951,756−7.3%
Median annual cost$1,337$1,488+11.3%
Average annual cost$1,633$1,802+10.3%
All policies in force (any building)2,3092,012−12.9%

Flood claims history

Since 1978, NFIP policyholders in ZIP 34208 have filed 698 flood claims. 566 received a payment, for a total of $25.8 million (an average of $45,658 per paid claim). The year with the most claims was 2024 (251 claims). Amounts are in dollars of the time, not adjusted for inflation.

010020030040019801985: 15 claims, 12 paid, $37,895 in total19901993: 62 claims, 57 paid, $740,254 in total1996: 18 claims, 17 paid, $282,917 in total1997: 17 claims, 11 paid, $69,261 in total20002001: 76 claims, 62 paid, $996,067 in total20012003: 17 claims, 12 paid, $156,501 in total2004: 101 claims, 89 paid, $2,079,629 in total20042009: 10 claims20102016: 11 claims, 11 paid, $399,013 in total2017: 22 claims, 14 paid, $447,204 in total20202023: 29 claims, 20 paid, $1,529,220 in total2024: 251 claims, 212 paid, $18,417,208 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 (12)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
2024251212$18,417,208$86,874
20232920$1,529,220$76,461
20172214$447,204$31,943
20161111$399,013$36,274
200910<10––
200410189$2,079,629$23,367
20031712$156,501$13,042
20017662$996,067$16,066
19971711$69,261$6,296
19961817$282,917$16,642
19936257$740,254$12,987
19851512$37,895$3,158

From 2016 to 2026: 313 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

Bradenton (955 home policies) · Unincorporated Manatee County (801 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.