Flood insurance cost · ZIP 34786 · FL

Flood insurance cost in ZIP 34786 (unincorporated Orange County, FL)

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 687 home policies in force on August 31, 2026.

ZIP code 34786 (unincorporated Orange County, FL)Policies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$574a year

Half of insured homes paid between $497 and $702. That is 11% less than the Orange County median ($648). Most insured homes here are rated in zone X (83%).

$0$497 · $574 · $702$878

+1.6% vs Aug 31, 2025 (median $565)

687home policies in force

$618average cost (mean)

17%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 34786

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	$704	$565–$764	$695	107 (16%)	+3.8%
Zone X Moderate to low risk	$556	$490–$679	$604	572 (83%)	+1.1%

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 34786, by what they insure.

Type of building	Policies	Median	Average
Single-family home	668	$575	$622
Condo or apartment unit	12	$388	$406

Not shown (fewer than 10 policies): 2–4 unit building, manufactured (mobile) home, whole residential building (5+ units or condo association), non-residential building or unit.

694NFIP policies in force, any building

694insured units (condo association policies count every unit)

96%of home policies also cover contents

$100,000median contents coverage, when bought

One year on: ZIP code 34786

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	736	687	−6.7%
Median annual cost	$565	$574	+1.6%
Average annual cost	$608	$618	+1.6%
All policies in force (any building)	744	694	−6.7%

Flood claims history

Since 1978, NFIP policyholders in ZIP 34786 have filed 56 flood claims. 20 received a payment, for a total of $611,371 (an average of $30,569 per paid claim). The years with the most claims were 2004, 2017 and 2022 (11 claims each). 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 (3)

Swipe the table sideways to see all columns.

Year of loss	Claims	Paid claims	Total paid	Average per paid claim
2022	11	<10	–	–
2017	11	<10	–	–
2004	11	<10	–	–

From 2016 to 2026: 22 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 Orange County (615 home policies) · Windermere (72 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.