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Flood insurance cost · ZIP 34652 · FL

Flood insurance cost in ZIP 34652 (unincorporated Pasco County, FL)

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 2,704 home policies in force on August 31, 2026.

ZIP code 34652 (unincorporated Pasco County, FL)Policies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$2,836a year

Half of insured homes paid between $1,306 and $4,390. That is 224% more than the Pasco County median ($874). Most insured homes here are rated in zone AE (95%).

$0$1,306 · $2,836 · $4,390$5,488
+7.4% vs Aug 31, 2025 (median $2,641)
2,704home policies in force
$3,097average cost (mean)
96%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 34652

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		$4,554$1,280–$6,699$4,24721 (1%)−1.0%
Zone AE
High risk		$2,938$1,482–$4,424$3,1792,576 (95%)+6.6%
Zone X
Moderate to low risk		$867$574–$1,094$884107 (4%)+3.3%

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 34652, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home2,471$3,047$3,243
2–4 unit building43$3,823$3,991
Manufactured (mobile) home23$1,747$1,762
Condo or apartment unit167$872$892
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.		263$5,326$7,658
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		110$4,909$6,795
3,077NFIP policies in force, any building
4,706insured units (condo association policies count every unit)
60%of home policies also cover contents
$51,000median contents coverage, when bought

One year on: ZIP code 34652

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 force2,8072,704−3.7%
Median annual cost$2,641$2,836+7.4%
Average annual cost$2,837$3,097+9.2%
All policies in force (any building)4,1003,077−25.0%

Flood claims history

Since 1978, NFIP policyholders in ZIP 34652 have filed 3,751 flood claims. 3,172 received a payment, for a total of $283.4 million (an average of $89,358 per paid claim). The year with the most claims was 2024 (1,934 claims). Amounts are in dollars of the time, not adjusted for inflation.

05001k1.5k2k19801985: 18 claims, 14 paid, $84,276 in total1988: 17 claims19901992: 12 claims1993: 817 claims, 692 paid, $14,437,714 in total19931995: 54 claims, 30 paid, $77,986 in total1996: 248 claims, 220 paid, $2,781,140 in total19961998: 25 claims, 12 paid, $20,435 in total1999: 78 claims, 68 paid, $846,618 in total2000: 10 claims20002001: 11 claims2004: 85 claims, 33 paid, $303,505 in total2010: 17 claims20102012: 106 claims, 82 paid, $1,570,498 in total2015: 30 claims, 16 paid, $152,529 in total2016: 52 claims, 42 paid, $1,579,646 in total2017: 24 claims20202023: 147 claims, 139 paid, $10,190,381 in total2024: 1,934 claims, 1,766 paid, $251,155,128 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 (18)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
20241,9341,766$251,155,128$142,217
2023147139$10,190,381$73,312
201724<10––
20165242$1,579,646$37,611
20153016$152,529$9,533
201210682$1,570,498$19,152
201017<10––
20048533$303,505$9,197
200111<10––
200010<10––
19997868$846,618$12,450
19982512$20,435$1,703
1996248220$2,781,140$12,642
19955430$77,986$2,600
1993817692$14,437,714$20,864
199212<10––
198817<10––
19851814$84,276$6,020

From 2016 to 2026: 2,157 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 Pasco County (2,081 home policies) · New Port Richey (605 home policies) · Port Richey (18 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.