Menu

Flood insurance cost · ZIP 34689 · FL

Flood insurance cost in ZIP 34689 (Tarpon Springs, FL)

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 2,240 home policies in force on August 31, 2026.

ZIP code 34689 (Tarpon Springs, FL)Policies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,514a year

Half of insured homes paid between $1,084 and $3,028. That is 8% more than the Pinellas County median ($1,404). Most insured homes here are rated in zone AE (71%).

$0$1,084 · $1,514 · $3,028$3,785
+13.2% vs Aug 31, 2025 (median $1,337)
2,240home policies in force
$2,306average cost (mean)
72%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 34689

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		$3,303$1,862–$6,831$4,26924 (1%)−24.7%
Zone AE
High risk		$1,986$1,152–$3,786$2,6501,592 (71%)+13.7%
Zone X
Moderate to low risk		$1,234$1,042–$1,271$1,352624 (28%)+15.7%

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 34689, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home2,078$1,570$2,373
2–4 unit building33$1,412$2,308
Manufactured (mobile) home32$1,314$1,529
Condo or apartment unit97$959$1,136
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.		122$5,782$8,511
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		129$5,029$6,397
2,491NFIP policies in force, any building
3,213insured units (condo association policies count every unit)
68%of home policies also cover contents
$100,000median contents coverage, when bought

One year on: ZIP code 34689

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 force2,4192,240−7.4%
Median annual cost$1,337$1,514+13.2%
Average annual cost$2,097$2,306+10.0%
All policies in force (any building)2,8972,491−14.0%

Flood claims history

Since 1978, NFIP policyholders in ZIP 34689 have filed 1,478 flood claims. 1,161 received a payment, for a total of $59.9 million (an average of $51,578 per paid claim). The year with the most claims was 2024 (746 claims). Amounts are in dollars of the time, not adjusted for inflation.

020040060080019801985: 52 claims, 41 paid, $353,667 in total19901993: 236 claims, 194 paid, $3,616,587 in total19931996: 104 claims, 88 paid, $1,174,961 in total19961999: 25 claims, 19 paid, $188,011 in total20002004: 17 claims20102012: 59 claims, 45 paid, $880,550 in total2015: 13 claims2016: 22 claims, 16 paid, $371,066 in total2017: 18 claims20202023: 97 claims, 75 paid, $5,004,747 in total2024: 746 claims, 619 paid, $47,710,808 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 (11)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
2024746619$47,710,808$77,077
20239775$5,004,747$66,730
201718<10––
20162216$371,066$23,192
201513<10––
20125945$880,550$19,568
200417<10––
19992519$188,011$9,895
199610488$1,174,961$13,352
1993236194$3,616,587$18,642
19855241$353,667$8,626

From 2016 to 2026: 883 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

Tarpon Springs (2,012 home policies) · Unincorporated Pinellas County (228 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.