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Flood insurance cost · ZIP 34242 · FL

Flood insurance cost in ZIP 34242 (unincorporated Sarasota County, FL)

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 2,775 home policies in force on August 31, 2026.

ZIP code 34242 (unincorporated Sarasota County, FL)Policies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$2,821a year

Half of insured homes paid between $1,352 and $5,238. That is 153% more than the Sarasota County median ($1,114). Most insured homes here are rated in zone AE (93%).

$0$1,352 · $2,821 · $5,238$6,548
+9.2% vs Aug 31, 2025 (median $2,584)
2,775home policies in force
$3,521average 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 34242

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		$1,538$938–$2,859$2,652137 (5%)+8.5%
Zone AE
High risk		$2,962$1,452–$5,329$3,5972,589 (93%)+8.4%
Zone X
Moderate to low risk		$1,052$789–$2,091$1,85442 (2%)+3.7%

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 34242, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home1,833$4,099$4,405
2–4 unit building80$4,263$4,360
Condo or apartment unit862$1,250$1,563
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.		763$4,561$11,917
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		212$5,622$6,901

Not shown (fewer than 10 policies): manufactured (mobile) home.

3,750NFIP policies in force, any building
10,070insured units (condo association policies count every unit)
81%of home policies also cover contents
$88,000median contents coverage, when bought

One year on: ZIP code 34242

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 force2,9172,775−4.9%
Median annual cost$2,584$2,821+9.2%
Average annual cost$3,326$3,521+5.9%
All policies in force (any building)4,1593,750−9.8%

Flood claims history

Since 1978, NFIP policyholders in ZIP 34242 have filed 4,460 flood claims. 3,505 received a payment, for a total of $347.8 million (an average of $99,242 per paid claim). The year with the most claims was 2024 (3,245 claims). Amounts are in dollars of the time, not adjusted for inflation.

01k2k3k4k19801981: 10 claims1982: 201 claims, 156 paid, $697,174 in total19821983: 28 claims, 24 paid, $214,303 in total1985: 154 claims, 125 paid, $867,180 in total1988: 38 claims, 20 paid, $570,801 in total19901992: 164 claims, 101 paid, $693,027 in total19921993: 104 claims, 74 paid, $895,522 in total1995: 40 claims, 23 paid, $178,160 in total1996: 110 claims, 89 paid, $1,611,255 in total1997: 17 claims1999: 20 claims, 12 paid, $475,155 in total2000: 20 claims, 11 paid, $304,700 in total20002001: 56 claims, 28 paid, $243,042 in total2003: 15 claims, 12 paid, $47,303 in total20102012: 34 claims, 12 paid, $185,588 in total2020: 41 claims, 33 paid, $1,853,922 in total20202022: 16 claims2023: 50 claims, 45 paid, $2,898,886 in total2024: 3,245 claims, 2,689 paid, $334,876,464 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 (19)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
20243,2452,689$334,876,464$124,536
20235045$2,898,886$64,420
202216<10––
20204133$1,853,922$56,179
20123412$185,588$15,466
20031512$47,303$3,942
20015628$243,042$8,680
20002011$304,700$27,700
19992012$475,155$39,596
199717<10––
199611089$1,611,255$18,104
19954023$178,160$7,746
199310474$895,522$12,102
1992164101$693,027$6,862
19883820$570,801$28,540
1985154125$867,180$6,937
19832824$214,303$8,929
1982201156$697,174$4,469
198110<10––

From 2016 to 2026: 3,352 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 (2,628 home policies) · Sarasota (146 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.