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Flood insurance cost · ZIP 34228 · FL

Flood insurance cost in ZIP 34228 (Longboat Key, FL)

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 2,194 home policies in force on August 31, 2026.

ZIP code 34228 (Longboat Key, FL)Policies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,645a year

Half of insured homes paid between $927 and $3,769. That is 48% more than the Sarasota County median ($1,114). Most insured homes here are rated in zone AE (93%).

$0$927 · $1,645 · $3,769$4,711
+8.7% vs Aug 31, 2025 (median $1,514)
2,194home policies in force
$2,745average cost (mean)
98%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 34228

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		$1,136$621–$2,038$1,755118 (5%)+5.6%
Zone AE
High risk		$1,711$958–$4,051$2,8082,031 (93%)+11.0%
Zone X
Moderate to low risk		$1,453$678–$3,016$2,52141 (2%)+17.7%

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 34228, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home1,183$2,996$4,012
2–4 unit building22$3,226$3,264
Manufactured (mobile) home23$2,338$2,287
Condo or apartment unit966$902$1,191
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.		733$6,001$11,224
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		176$4,590$5,805
3,103NFIP policies in force, any building
9,445insured units (condo association policies count every unit)
87%of home policies also cover contents
$100,000median contents coverage, when bought

One year on: ZIP code 34228

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 force2,3502,194−6.6%
Median annual cost$1,514$1,645+8.7%
Average annual cost$2,564$2,745+7.1%
All policies in force (any building)3,4563,103−10.2%

Flood claims history

Since 1978, NFIP policyholders in ZIP 34228 have filed 2,920 flood claims. 2,243 received a payment, for a total of $208.6 million (an average of $92,998 per paid claim). The year with the most claims was 2024 (1,559 claims). Amounts are in dollars of the time, not adjusted for inflation.

05001k1.5k2k19801982: 182 claims, 144 paid, $687,009 in total19821985: 320 claims, 249 paid, $2,103,671 in total19851988: 60 claims, 40 paid, $225,590 in total19901992: 34 claims, 13 paid, $43,981 in total1993: 73 claims, 57 paid, $449,349 in total1995: 31 claims, 21 paid, $152,439 in total1996: 168 claims, 141 paid, $1,446,459 in total2000: 18 claims, 12 paid, $115,234 in total20002001: 25 claims20102012: 37 claims, 17 paid, $385,976 in total2016: 14 claims2017: 29 claims2020: 96 claims, 79 paid, $5,669,086 in total20202022: 22 claims2023: 144 claims, 132 paid, $10,290,923 in total2024: 1,559 claims, 1,284 paid, $186,476,400 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 (16)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
20241,5591,284$186,476,400$145,231
2023144132$10,290,923$77,962
202222<10––
20209679$5,669,086$71,761
201729<10––
201614<10––
20123717$385,976$22,704
200125<10––
20001812$115,234$9,603
1996168141$1,446,459$10,259
19953121$152,439$7,259
19937357$449,349$7,883
19923413$43,981$3,383
19886040$225,590$5,640
1985320249$2,103,671$8,448
1982182144$687,009$4,771

From 2016 to 2026: 1,864 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

Longboat Key (2,183 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.