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Flood insurance cost · ZIP 34217 · FL

Flood insurance cost in ZIP 34217 (Holmes Beach, FL)

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 2,081 home policies in force on August 31, 2026.

ZIP code 34217 (Holmes Beach, FL)Policies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$3,771a year

Half of insured homes paid between $1,335 and $5,743. That is 310% more than the Manatee County median ($920). Most insured homes here are rated in zone AE (96%).

$0$1,335 · $3,771 · $5,743$7,179
+6.8% vs Aug 31, 2025 (median $3,532)
2,081home policies in force
$3,869average cost (mean)
99%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 34217

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		$2,985$1,040–$5,352$3,60959 (3%)−4.8%
Zone AE
High risk		$3,858$1,365–$5,757$3,9102,001 (96%)+7.5%
Zone X
Moderate to low risk		$648$472–$926$72321 (1%)−11.7%

Not shown (fewer than 10 home policies): A, 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 34217, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home1,485$4,485$4,284
2–4 unit building287$4,326$4,177
Manufactured (mobile) home16$1,928$2,218
Condo or apartment unit293$1,171$1,555
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.		360$4,796$10,288
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		154$5,638$7,931
2,595NFIP policies in force, any building
4,663insured units (condo association policies count every unit)
80%of home policies also cover contents
$60,000median contents coverage, when bought

One year on: ZIP code 34217

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 force2,1492,081−3.2%
Median annual cost$3,532$3,771+6.8%
Average annual cost$3,579$3,869+8.1%
All policies in force (any building)2,9592,595−12.3%

Flood claims history

Since 1978, NFIP policyholders in ZIP 34217 have filed 3,182 flood claims. 2,523 received a payment, for a total of $226.0 million (an average of $89,594 per paid claim). The year with the most claims was 2024 (2,127 claims). Amounts are in dollars of the time, not adjusted for inflation.

01k2k3k4k19801982: 171 claims, 126 paid, $368,178 in total19821985: 286 claims, 199 paid, $1,848,669 in total19851988: 62 claims, 36 paid, $114,006 in total19901991: 12 claims1992: 65 claims, 45 paid, $186,822 in total1993: 57 claims, 32 paid, $139,105 in total1995: 16 claims, 10 paid, $45,267 in total1996: 96 claims, 72 paid, $418,342 in total1999: 28 claims, 23 paid, $158,560 in total2000: 29 claims, 20 paid, $165,722 in total20002001: 18 claims2004: 10 claims20102020: 17 claims, 12 paid, $461,182 in total20202023: 96 claims, 74 paid, $4,031,027 in total2024: 2,127 claims, 1,819 paid, $217,863,535 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 (15)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
20242,1271,819$217,863,535$119,771
20239674$4,031,027$54,473
20201712$461,182$38,432
200410<10––
200118<10––
20002920$165,722$8,286
19992823$158,560$6,894
19969672$418,342$5,810
19951610$45,267$4,527
19935732$139,105$4,347
19926545$186,822$4,152
199112<10––
19886236$114,006$3,167
1985286199$1,848,669$9,290
1982171126$368,178$2,922

From 2016 to 2026: 2,240 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

Holmes Beach (1,714 home policies) · Bradenton Beach (347 home policies) · Anna Maria (16 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.