Flood insurance cost · ZIP 34691 · FL

Flood insurance cost in ZIP 34691 (unincorporated Pasco County, FL)

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 1,399 home policies in force on August 31, 2026.

ZIP code 34691 (unincorporated Pasco County, FL)Policies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,611a year

Half of insured homes paid between $1,236 and $2,230. That is 84% more than the Pasco County median ($874). Most insured homes here are rated in zone AE (69%).

$0$1,236 · $1,611 · $2,230$2,788

+5.8% vs Aug 31, 2025 (median $1,522)

1,399home policies in force

$1,887average cost (mean)

70%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 34691

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 zone	Median	Middle half (25th–75th percentile)	Average	Policies	vs last year
Zone AE High risk	$1,922	$1,502–$2,544	$2,151	966 (69%)	+4.3%
Zone X Moderate to low risk	$1,228	$1,079–$1,267	$1,208	424 (30%)	+16.4%

Not shown (fewer than 10 home policies): VE, 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 34691, by what they insure.

Type of building	Policies	Median	Average
Single-family home	1,319	$1,637	$1,922
Manufactured (mobile) home	48	$1,518	$1,522
Condo or apartment unit	27	$742	$804
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.	18	$6,473	$5,380
Non-residential building or unit Businesses, churches, farm buildings and other non-residential property.	40	$4,280	$4,672

Not shown (fewer than 10 policies): 2–4 unit building.

1,457NFIP policies in force, any building

1,471insured units (condo association policies count every unit)

62%of home policies also cover contents

$61,000median contents coverage, when bought

One year on: ZIP code 34691

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, 2025	Aug 31, 2026	Change
Home policies in force	1,502	1,399	−6.9%
Median annual cost	$1,522	$1,611	+5.8%
Average annual cost	$1,755	$1,887	+7.5%
All policies in force (any building)	1,665	1,457	−12.5%

Flood claims history

Since 1978, NFIP policyholders in ZIP 34691 have filed 975 flood claims. 606 received a payment, for a total of $25.9 million (an average of $42,819 per paid claim). The year with the most claims was 2024 (266 claims). Amounts are in dollars of the time, not adjusted for inflation.

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 (20)

Swipe the table sideways to see all columns.

Year of loss	Claims	Paid claims	Total paid	Average per paid claim
2024	266	227	$20,874,240	$91,957
2017	36	22	$493,363	$22,426
2016	21	17	$296,081	$17,417
2015	24	11	$47,155	$4,287
2012	117	81	$1,209,401	$14,931
2004	125	69	$435,019	$6,305
2001	26	12	$30,928	$2,577
2000	12	<10	–	–
1999	20	12	$47,088	$3,924
1998	30	16	$27,303	$1,706
1997	11	<10	–	–
1996	10	<10	–	–
1995	14	<10	–	–
1993	48	34	$508,337	$14,951
1992	15	<10	–	–
1988	19	<10	–	–
1985	24	14	$34,793	$2,485
1983	10	<10	–	–
1982	22	<10	–	–
1981	12	<10	–	–

From 2016 to 2026: 323 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 (1,399 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.