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Flood insurance cost · ZIP 34231 · FL

Flood insurance cost in ZIP 34231 (unincorporated Sarasota County, FL)

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 1,988 home policies in force on August 31, 2026.

ZIP code 34231 (unincorporated Sarasota County, FL)Policies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,190a year

Half of insured homes paid between $853 and $1,833. That is 7% more than the Sarasota County median ($1,114). Most insured homes here are rated in zone X (62%).

$0$853 · $1,190 · $1,833$2,291
+12.6% vs Aug 31, 2025 (median $1,057)
1,988home policies in force
$1,758average cost (mean)
38%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 34231

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		$3,136$2,091–$5,501$4,04114 (1%)+11.1%
Zone AE
High risk		$1,584$970–$3,597$2,579738 (37%)+7.8%
Zone X
Moderate to low risk		$1,083$788–$1,269$1,2421,234 (62%)+12.7%

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 34231, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home1,519$1,261$2,000
2–4 unit building33$1,234$1,634
Manufactured (mobile) home16$946$1,006
Condo or apartment unit420$722$919
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.		241$6,249$8,655
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		86$3,405$4,348
2,315NFIP policies in force, any building
3,642insured units (condo association policies count every unit)
85%of home policies also cover contents
$100,000median contents coverage, when bought

One year on: ZIP code 34231

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 force2,1681,988−8.3%
Median annual cost$1,057$1,190+12.6%
Average annual cost$1,619$1,758+8.6%
All policies in force (any building)2,5522,315−9.3%

Flood claims history

Since 1978, NFIP policyholders in ZIP 34231 have filed 700 flood claims. 481 received a payment, for a total of $24.8 million (an average of $51,457 per paid claim). The year with the most claims was 2024 (309 claims). Amounts are in dollars of the time, not adjusted for inflation.

010020030040019801982: 12 claims19901992: 83 claims, 55 paid, $444,445 in total19921993: 12 claims1995: 69 claims, 53 paid, $553,651 in total19951997: 28 claims, 24 paid, $426,684 in total1998: 18 claims, 12 paid, $40,021 in total20002001: 31 claims, 16 paid, $209,956 in total2003: 14 claims20102017: 22 claims, 17 paid, $383,325 in total20202024: 309 claims, 235 paid, $21,980,372 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 (10)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
2024309235$21,980,372$93,533
20172217$383,325$22,549
200314<10––
20013116$209,956$13,122
19981812$40,021$3,335
19972824$426,684$17,778
19956953$553,651$10,446
199312<10––
19928355$444,445$8,081
198212<10––

From 2016 to 2026: 331 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 Sarasota County (1,988 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.