Flood insurance cost · ZIP 34986 · FL

Flood insurance cost in ZIP 34986 (Port St. Lucie, FL)

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 1,320 home policies in force on August 31, 2026.

ZIP code 34986 (Port St. Lucie, FL)Policies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$578a year

Half of insured homes paid between $505 and $642. That is 13% less than the St. Lucie County median ($666). Most insured homes here are rated in zone X (100%).

$0$505 · $578 · $642$802

+2.5% vs Aug 31, 2025 (median $564)

1,320home policies in force

$583average cost (mean)

0%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 34986

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 X Moderate to low risk	$578	$506–$642	$583	1,319 (100%)	+2.5%

Not shown (fewer than 10 home policies): VE, AE, 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 34986, by what they insure.

Type of building	Policies	Median	Average
Single-family home	1,280	$582	$588
Condo or apartment unit	34	$382	$404
Non-residential building or unit Businesses, churches, farm buildings and other non-residential property.	33	$1,333	$1,307

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

1,354NFIP policies in force, any building

1,354insured units (condo association policies count every unit)

98%of home policies also cover contents

$100,000median contents coverage, when bought

One year on: ZIP code 34986

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	1,417	1,320	−6.8%
Median annual cost	$564	$578	+2.5%
Average annual cost	$569	$583	+2.5%
All policies in force (any building)	1,451	1,354	−6.7%

Flood claims history

Since 1978, NFIP policyholders in ZIP 34986 have filed 103 flood claims. 54 received a payment, for a total of $1,083,111 (an average of $20,058 per paid claim). The year with the most claims was 2008 (29 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 (4)

Swipe the table sideways to see all columns.

Year of loss	Claims	Paid claims	Total paid	Average per paid claim
2012	11	<10	–	–
2008	29	18	$257,438	$14,302
2005	14	<10	–	–
2004	19	11	$68,531	$6,230

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

Port St. Lucie (956 home policies) · Unincorporated St. Lucie County (363 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.