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Flood insurance cost · ZIP 34285 · FL

Flood insurance cost in ZIP 34285 (Venice, FL)

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 1,790 home policies in force on August 31, 2026.

ZIP code 34285 (Venice, FL)Policies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,164a year

Half of insured homes paid between $887 and $1,540. That is 4% more than the Sarasota County median ($1,114). Most insured homes here are rated in zone X (70%).

$0$887 · $1,164 · $1,540$1,925
+10.2% vs Aug 31, 2025 (median $1,056)
1,790home policies in force
$1,535average cost (mean)
30%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 34285

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		$1,550$945–$3,009$2,35830 (2%)−3.5%
Zone AE
High risk		$1,650$1,167–$2,770$2,373492 (27%)+5.2%
Zone AO
High risk, shallow		$1,111$769–$1,594$1,37123 (1%)+10.7%
Zone X
Moderate to low risk		$1,079$841–$1,266$1,1871,245 (70%)+13.8%

Not shown (fewer than 10 home policies): A, 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 34285, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home1,274$1,218$1,640
2–4 unit building16$1,382$2,288
Manufactured (mobile) home109$1,345$1,550
Condo or apartment unit391$979$1,158
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.		281$6,610$12,261
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		184$2,626$4,937
2,255NFIP policies in force, any building
4,883insured units (condo association policies count every unit)
89%of home policies also cover contents
$100,000median contents coverage, when bought

One year on: ZIP code 34285

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 force1,9291,790−7.2%
Median annual cost$1,056$1,164+10.2%
Average annual cost$1,448$1,535+6.0%
All policies in force (any building)2,5052,255−10.0%

Flood claims history

Since 1978, NFIP policyholders in ZIP 34285 have filed 1,111 flood claims. 719 received a payment, for a total of $63.3 million (an average of $88,031 per paid claim). The year with the most claims was 2024 (670 claims). Amounts are in dollars of the time, not adjusted for inflation.

020040060080019801981: 38 claims, 25 paid, $46,741 in total1982: 48 claims, 35 paid, $107,120 in total19821985: 43 claims, 31 paid, $210,949 in total1988: 47 claims, 21 paid, $130,838 in total19901992: 47 claims, 35 paid, $280,722 in total1993: 32 claims, 15 paid, $98,789 in total200020102017: 31 claims, 21 paid, $1,121,140 in total20202022: 80 claims, 46 paid, $3,209,102 in total20222024: 670 claims, 458 paid, $57,632,777 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 (9)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
2024670458$57,632,777$125,836
20228046$3,209,102$69,763
20173121$1,121,140$53,388
19933215$98,789$6,586
19924735$280,722$8,021
19884721$130,838$6,230
19854331$210,949$6,805
19824835$107,120$3,061
19813825$46,741$1,870

From 2016 to 2026: 781 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

Venice (1,457 home policies) · Unincorporated Sarasota County (333 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.