Does Fort Pierce flood?
Fort Pierce, Port St. Lucie, FL · ZIP codes 34949, 34981, 34982 and 34947: the ZIP codes on most of the flood insurance claims counted here. ZIP codes do not follow neighborhood lines.
Yes. Insured properties in and around Fort Pierce have filed flood claims. About 24% of Fort Pierce’s mapped area is inside FEMA’s Special Flood Hazard Area; the rest is in moderate or minimal-hazard Zone X. NFIP flood insurance records list 1,398 claims from the Census block groups that cover Fort Pierce, from 1979 through 2024. 1,034 of them received a payment, totaling $40,535,965 (not adjusted for inflation). The busiest years were 2004 (848 claims), 2017 (106 claims), 2008 (98 claims).
Past claims do not predict future flooding, and a neighborhood figure cannot tell you about one building. Look up the exact address on the FEMA Flood Map Service Center and get flood insurance quotes before you sign a lease or a contract.
Check a specific address in Fort Pierce
Neighborhood figures are averages. Our address check looks up the FEMA flood zone at one address, from the same public maps: check if your address is in a flood zone.
Flood zones street by street in Fort Pierce
The named streets in Fort Pierce, longest first, with how much of each street’s length inside Fort Pierce lies in FEMA’s high-risk flood zones (the Special Flood Hazard Area, zones A and V). Length is the part inside Fort Pierce; the main zone is the FEMA zone covering most of that length. A street can cross several zones, so the zone at one address can differ from the street’s main zone: check the address above for that. 488 shorter streets are not listed.
| Street | Length | In high-risk zones | Main zone |
|---|---|---|---|
| US Hwy 1 | 8.8 mi | 4.2% | X (unshaded, minimal) (95%) |
| Okeechobee Rd | 6.6 mi | 0.6% | X (unshaded, minimal) (93%) |
| Virginia Ave | 5.2 mi | 0.0% | X (unshaded, minimal) (100%) |
| Orange Ave | 4.7 mi | 5.4% | X (unshaded, minimal) (94%) |
| I-95 | 4.5 mi | 1.2% | X (unshaded, minimal) (99%) |
| Sunrise Blvd | 3.8 mi | 1.8% | X (unshaded, minimal) (98%) |
| S 25th St | 3.4 mi | 12% | X (unshaded, minimal) (75%) |
| S Indian River Dr | 2.9 mi | 0.0% | X (unshaded, minimal) (94%) |
| Oleander Ave | 2.9 mi | 0.0% | X (unshaded, minimal) (100%) |
| Seaway Dr | 2.6 mi | 53% | AE (40%) |
| S 4th St | 2.5 mi | 15% | X (unshaded, minimal) (85%) |
| Delaware Ave | 2.3 mi | 0.0% | X (unshaded, minimal) (100%) |
| S Ocean Dr | 2.3 mi | 37% | X (shaded, 0.2% annual chance) (57%) |
| Ave D | 2.2 mi | 6.5% | X (unshaded, minimal) (83%) |
| S 10th St | 2.2 mi | 0.0% | X (unshaded, minimal) (100%) |
| Oleander Blvd | 2.1 mi | 0.0% | X (unshaded, minimal) (100%) |
| Avenue E | 2.0 mi | 3.3% | X (unshaded, minimal) (93%) |
| Ave B | 1.8 mi | 39% | X (unshaded, minimal) (53%) |
| Boston Ave | 1.8 mi | 0.0% | X (unshaded, minimal) (100%) |
| Edwards Rd | 1.8 mi | 0.0% | X (unshaded, minimal) (100%) |
| Georgia Ave | 1.8 mi | 3.3% | X (unshaded, minimal) (97%) |
| Ave M | 1.7 mi | 0.0% | X (unshaded, minimal) (100%) |
| S 13th St | 1.7 mi | 0.0% | X (unshaded, minimal) (100%) |
| Quincy Ave | 1.7 mi | 0.0% | X (unshaded, minimal) (100%) |
| Harbour Isle Dr W | 1.7 mi | 0.0% | X (unshaded, minimal) (99%) |
Streets: U.S. Census Bureau TIGERweb, Transportation (primary, secondary and local roads). Flood zones: FEMA National Flood Hazard Layer (NFHL), Flood Hazard Zones and FIRM Panels, retrieved November 2, 2026. Each street is clipped to the neighborhood boundary and measured in an equal-area projection. Street lengths are rounded.
Flood zones in Fort Pierce
Share of Fort Pierce’s mapped area (about 78.901 km²) in each FEMA flood zone, from FEMA National Flood Hazard Layer (NFHL), Flood Hazard Zones and FIRM Panels. Mapped base flood elevations inside the neighborhood range from 4 to 17.3 feet. Effective date of the FIRM panel(s) covering it (12111C0159J, 12111C0167J, 12111C0169J, 12111C0170J, 12111C0176K, 12111C0177K, 12111C0178J, 12111C0179K, 12111C0181K, 12111C0183K, 12111C0184K, 12111C0186J, 12111C0187K, 12111C0188K, 12111C0189K, 12111C0191K, 12111C0192K, 12111C0193K, 12111C0260J, 12111C0277K): February 16, 2012, February 19, 2020.
| FEMA zone | Share of area |
|---|---|
| X (unshaded, minimal) | 63% |
| AE | 13% |
| VE | 7.1% |
| Open water | 6.6% |
| X (shaded, 0.2% annual chance) | 6.4% |
| AH | 3.3% |
| A | 0.4% |
What the zones mean
- Zone AE (and A, AH, AO)
- High-risk: part of the Special Flood Hazard Area (SFHA), the area FEMA maps as having a 1-percent chance of flooding in any given year (the “100-year” or base flood). AE areas have a mapped base flood elevation.
- Zone VE (and V)
- High-risk coastal areas, also in the SFHA, where the base flood is expected to bring additional hazards from storm waves.
- Zone X (shaded)
- Moderate hazard: between the limits of the 1-percent and the 0.2-percent-annual-chance (“500-year”) flood.
- Zone X (unshaded)
- Minimal hazard: outside the SFHA and higher than the 0.2-percent-annual-chance flood elevation. Minimal is not zero: flood claims are filed from X zones too.
Source: FEMA Glossary: Flood Zones.
Flood insurance claims over time
Claims filed under the National Flood Insurance Program (NFIP) from the 2010 Census block groups that cover Fort Pierce. About 69% of the combined area of those block groups lies inside Fort Pierce, so the claim figures also reflect some nearby blocks. Several of these block groups extend over open water, which the Census includes in block-group boundaries; counting land only (Census land and water areas), about 83% lies inside Fort Pierce. Only insured properties appear, so these counts understate total flooding.
By decade
| Decade | Claims | Paid |
|---|---|---|
| 1970s | 21 | $63,365 |
| 1980s | 103 | $817,484 |
| 1990s | 91 | $619,322 |
| 2000s | 984 | $31,569,589 |
| 2010s | 183 | $7,272,108 |
| 2020s | 16 | $194,096 |
By year of loss
Named flood events with the most claims
- Hurricane Frances: 434 claims
- Hurricane Jeanne: 384 claims
- Tropical Storm Fay: 96 claims
- Hurricane Irma: 95 claims
- Hurricane Irene: 29 claims
FEMA labels some events only as “Flooding”. Claims by the flood zone the property was rated in:
- A/AE/AH/AO (high risk): 1,107
- X/B/C (moderate or minimal): 261
- V/VE (coastal high hazard): 21
- Not reported: 9
How much is flood insurance in Fort Pierce?
The typical National Flood Insurance Program policy on single-family homes in Fort Pierce costs $1,056 a year: the median of 1,145 policies that started between September 1, 2025 and August 31, 2026. Half of them cost between $694 and $1,308. That is the full amount paid for the year, the premium plus FEMA’s fees and surcharges, and every one of these policies is priced under Risk Rating 2.0. A quote for one building can be far from this: its elevation, foundation, age, coverage and deductible all change the price. Private flood insurance is not included.
Source: FEMA OpenFEMA Dataset: FIMA NFIP Redacted Policies - v3, computed November 2, 2026.
Why home insurance costs what it does in Fort Pierce
This section is educational and is not insurance advice.
Flood insurance
ZIP codes do not follow neighborhood lines. These are the ZIP codes on at least 5% of the flood claims counted for Fort Pierce, within 10 km of it.
- ZIP code 34949: the median National Flood Insurance Program policy cost for single-family homes was $1,267 a year, the middle of 835 policies that started between September 1, 2025 and August 31, 2026. Half of them cost between $1,113 and $2,056. These policies are priced under Risk Rating 2.0.
- ZIP code 34949: NFIP records list 1,187 flood claims with a loss year from 1979 through 2024. The claims dataset is as of September 8, 2026.
- ZIP code 34981: the median National Flood Insurance Program policy cost for single-family homes was $943 a year, the middle of 156 policies that started between September 1, 2025 and August 31, 2026. Half of them cost between $727 and $1,212. These policies are priced under Risk Rating 2.0.
- ZIP code 34981: NFIP records list 207 flood claims with a loss year from 1979 through 2024. The claims dataset is as of September 8, 2026.
- ZIP code 34982: the median National Flood Insurance Program policy cost for single-family homes was $798 a year, the middle of 421 policies that started between September 1, 2025 and August 31, 2026. Half of them cost between $692 and $967. These policies are priced under Risk Rating 2.0.
- ZIP code 34982: NFIP records list 370 flood claims with a loss year from 1978 through 2024. The claims dataset is as of September 8, 2026.
- ZIP code 34947: the median National Flood Insurance Program policy cost for single-family homes was $651 a year, the middle of 354 policies that started between September 1, 2025 and August 31, 2026. Half of them cost between $597 and $839. These policies are priced under Risk Rating 2.0.
- ZIP code 34947: NFIP records list 102 flood claims with a loss year from 1979 through 2024. The claims dataset is as of September 8, 2026.
Fire and wind
- USDA Forest Service Wildfire Risk to Communities gives Port St. Lucie, FL a Risk to Homes national percentile rank of 0.853, which its methods call High (above the 70th percentile and below the 90th). That is the city rating, not a rating of Fort Pierce alone. The summary file is dated April 15, 2026.
The insurance market in Florida
- Citizens Property Insurance Corporation: 09.30.26 254,836 Policies in Force
What to ask your agent
- Ask the agent how old the roof is.
- Ask whether a wind-mitigation discount is available for this house.
- Ask how flood coverage differs from the homeowners policy. A standard homeowners policy does not cover flood. Flood coverage is a separate policy.
- Ask whether the policy has a separate hurricane or windstorm deductible, and how that deductible is calculated.
- Ask when coverage would start. A new National Flood Insurance Program policy generally takes effect 30 days after purchase.
Flood coverage and the 30-day wait: FEMA fact sheet, Jan. 21, 2025; 44 CFR 61.11.
What do NFIP records show for flood insurance in Fort Pierce?
ZIP code 34949: the median National Flood Insurance Program policy cost for single-family homes was $1,267 a year, the middle of 835 policies that started between September 1, 2025 and August 31, 2026. Half of them cost between $1,113 and $2,056. These policies are priced under Risk Rating 2.0. ZIP code 34949: NFIP records list 1,187 flood claims with a loss year from 1979 through 2024. The claims dataset is as of September 8, 2026. ZIP code 34981: the median National Flood Insurance Program policy cost for single-family homes was $943 a year, the middle of 156 policies that started between September 1, 2025 and August 31, 2026. Half of them cost between $727 and $1,212. These policies are priced under Risk Rating 2.0. ZIP code 34981: NFIP records list 207 flood claims with a loss year from 1979 through 2024. The claims dataset is as of September 8, 2026. ZIP code 34982: the median National Flood Insurance Program policy cost for single-family homes was $798 a year, the middle of 421 policies that started between September 1, 2025 and August 31, 2026. Half of them cost between $692 and $967. These policies are priced under Risk Rating 2.0. ZIP code 34982: NFIP records list 370 flood claims with a loss year from 1978 through 2024. The claims dataset is as of September 8, 2026. ZIP code 34947: the median National Flood Insurance Program policy cost for single-family homes was $651 a year, the middle of 354 policies that started between September 1, 2025 and August 31, 2026. Half of them cost between $597 and $839. These policies are priced under Risk Rating 2.0. ZIP code 34947: NFIP records list 102 flood claims with a loss year from 1979 through 2024. The claims dataset is as of September 8, 2026.
How big is the last-resort insurance plan in Florida?
Citizens Property Insurance Corporation: 09.30.26 254,836 Policies in Force
What should I ask an insurance agent about a home in Fort Pierce?
Ask the agent how old the roof is. Ask whether a wind-mitigation discount is available for this house. Ask how flood coverage differs from the homeowners policy. A standard homeowners policy does not cover flood. Flood coverage is a separate policy. Ask whether the policy has a separate hurricane or windstorm deductible, and how that deductible is calculated. Ask when coverage would start. A new National Flood Insurance Program policy generally takes effect 30 days after purchase.
Sources: OpenFEMA NFIP Redacted Policies v3; OpenFEMA NFIP Redacted Claims v3; USDA Forest Service, Wildfire Risk to Communities, community summaries; Wildfire Risk to Communities methods; Citizens Property Insurance Corporation, Policies in Force.
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Before you rent or buy in Fort Pierce
- Look up the exact address on the FEMA Flood Map Service Center; a neighborhood can mix high-risk and minimal-hazard zones.
- Ask the landlord or seller about past flooding and flood insurance claims at the property.
- Get a flood insurance quote early: new NFIP policies usually take 30 days to start (FloodSmart (NFIP): Buy a Flood Insurance Policy).
- Ask which floor the unit is on and where parking, storage and mechanical equipment sit.
Living in Fort Pierce
Flood maps are only one part of choosing a neighborhood. To compare Fort Pierce with other Port St. Lucie neighborhoods on more than flooding, see Port St. Lucie on StrollPlace.
Buyer and renter FAQ
Does Fort Pierce flood?
Yes. Insured properties in and around Fort Pierce have filed flood claims. About 24% of Fort Pierce’s mapped area is inside FEMA’s Special Flood Hazard Area; the rest is in moderate or minimal-hazard Zone X. NFIP flood insurance records list 1,398 claims from the Census block groups that cover Fort Pierce, from 1979 through 2024. 1,034 of them received a payment, totaling $40,535,965 (not adjusted for inflation). The busiest years were 2004 (848 claims), 2017 (106 claims), 2008 (98 claims). Past claims do not predict future flooding, and conditions vary street by street, so check the specific address.
Is Fort Pierce in a flood zone?
About 24% of Fort Pierce’s mapped area is inside FEMA’s Special Flood Hazard Area; the rest is in moderate or minimal-hazard Zone X. Shares by zone: X (unshaded, minimal) 63%; AE 13%; VE 7.1%; Open water 6.6%; X (shaded, 0.2% annual chance) 6.4%; AH 3.3%; A 0.4%. The FIRM panel(s) covering it took effect February 16, 2012, February 19, 2020.
Which streets in Fort Pierce are in a high-risk flood zone?
Most of the length of Seaway Dr lies in FEMA high-risk zones (the Special Flood Hazard Area). Less than 10% of US Hwy 1, Okeechobee Rd, Virginia Ave, Orange Ave, I-95, Sunrise Blvd, S Indian River Dr and Oleander Ave does. Zones can change along a street, so check the exact address.
What ZIP code is Fort Pierce in?
Fort Pierce is in Port St. Lucie, FL. ZIP codes 34949, 34981, 34982 and 34947: the ZIP codes on most of the flood insurance claims counted here. ZIP codes do not follow neighborhood lines. Check the specific address for its own flood zone.
Do renters need flood insurance?
Standard renters policies usually do not cover flood. Renters in a community that participates in the NFIP can buy contents-only flood coverage, up to $100,000 for belongings.
How long does a new flood policy take to start?
A new NFIP policy generally takes effect 30 days after purchase. Exceptions include no wait when the policy is bought while making, increasing, extending or renewing a mortgage, and a one-day wait in a newly designated high-risk zone within 12 months of the map change.
How much coverage can NFIP provide?
For a one-to-four family home, NFIP building coverage goes up to $250,000 and contents coverage up to $100,000. You can buy flood insurance even if you are not in a high-risk zone, as long as your community participates in the NFIP.
How much is flood insurance in Fort Pierce?
The typical NFIP flood insurance policy on single-family homes in Fort Pierce cost $1,056 a year: the median of 1,145 policies that started between September 1, 2025 and August 31, 2026. Half cost between $694 and $1,308. One building’s quote can be far from this; its elevation, foundation, age, coverage and deductible all change the price.
FAQ sources: FloodSmart (NFIP): Buy a Flood Insurance Policy; FEMA Fact Sheet: Think you don’t need flood insurance? Think again (Jan. 21, 2025); 44 CFR 61.11, Effective date and time of coverage.
Nearby neighborhoods
- Does Fort Pierce North flood?
- Does Indian River Estates flood?
- Does Port St. Lucie flood?
- Does St. Lucie Village flood?
- White City
- Does Hutchinson Island South flood?
How these numbers were made
Neighborhood boundary: U.S. Census Bureau, incorporated places and Census Designated Places (TIGERweb). Flood zone shares: the neighborhood polygon intersected with FEMA National Flood Hazard Layer (NFHL), Flood Hazard Zones and FIRM Panels, area computed in an equal-area projection; retrieved November 2, 2026. Claims: OpenFEMA NFIP Redacted Claims v3 records for St. Lucie County (county code 12111), dataset as of September 8, 2026, retrieved November 2, 2026. A 2010 Census block group is counted for a neighborhood when at least 25% of the block group lies inside the neighborhood, or at least 25% of the neighborhood lies inside the block group. Block groups used: 121113801001 (99.0% of the block group is inside Fort Pierce), 121113814012 (50.3% of the block group is inside Fort Pierce), 121113803006 (100.0% of the block group is inside Fort Pierce), 121113803001 (100.0% of the block group is inside Fort Pierce), 121113813004 (85.8% of the block group is inside Fort Pierce), 121113805003 (100.0% of the block group is inside Fort Pierce), 121113802004 (99.7% of the block group is inside Fort Pierce), 121113804004 (100.0% of the block group is inside Fort Pierce), 121113803004 (100.0% of the block group is inside Fort Pierce), 121113804005 (100.0% of the block group is inside Fort Pierce), 121113802002 (100.0% of the block group is inside Fort Pierce), 121113805001 (98.3% of the block group is inside Fort Pierce), 121113807002 (68.9% of the block group is inside Fort Pierce), 121113807003 (61.3% of the block group is inside Fort Pierce), 121113806003 (100.0% of the block group is inside Fort Pierce), 121113809011 (42.3% of the block group is inside Fort Pierce), 121113804001 (100.0% of the block group is inside Fort Pierce), 121113807001 (59.1% of the block group is inside Fort Pierce), 121113805005 (100.0% of the block group is inside Fort Pierce), 121113805002 (100.0% of the block group is inside Fort Pierce), 121113805004 (100.0% of the block group is inside Fort Pierce), 121113814023 (47.1% of the block group is inside Fort Pierce), 121113814022 (46.9% of the block group is inside Fort Pierce), 121113804002 (100.0% of the block group is inside Fort Pierce), 121113802001 (100.0% of the block group is inside Fort Pierce), 121113809023 (26.2% of the block group is inside Fort Pierce), 121113806004 (100.0% of the block group is inside Fort Pierce), 121113814014 (80.9% of the block group is inside Fort Pierce), 121113814015 (98.0% of the block group is inside Fort Pierce), 121113814013 (34.3% of the block group is inside Fort Pierce), 121113814021 (53.2% of the block group is inside Fort Pierce), 121113804003 (100.0% of the block group is inside Fort Pierce), 121113802003 (100.0% of the block group is inside Fort Pierce), 121113803003 (98.5% of the block group is inside Fort Pierce), 121113805006 (100.0% of the block group is inside Fort Pierce), 121113803005 (100.0% of the block group is inside Fort Pierce), 121113803002 (100.0% of the block group is inside Fort Pierce), 121113806001 (100.0% of the block group is inside Fort Pierce), 121113806002 (100.0% of the block group is inside Fort Pierce), 121113814011 (100.0% of the block group is inside Fort Pierce), 121113813003 (100.0% of the block group is inside Fort Pierce), 121113813002 (99.9% of the block group is inside Fort Pierce). Neighboring pages can share a block group, so their counts can overlap. Paid totals add building, contents and Increased Cost of Compliance payments and are not adjusted for inflation; a claim whose FEMA record shows a negative payment (an adjustment) counts as zero. See the methodology.
Sources
- Federal Emergency Management Agency (FEMA), FEMA OpenFEMA Dataset: FIMA NFIP Redacted Claims - v3. Retrieved on November 2, 2026.
- FEMA National Flood Hazard Layer (NFHL), Flood Hazard Zones and FIRM Panels. Retrieved on November 2, 2026.
- U.S. Census Bureau, incorporated places and Census Designated Places (TIGERweb).
- U.S. Census Bureau TIGERweb, 2010 Census Block Groups.
- FEMA Glossary: Flood Zones.
- FloodSmart (NFIP): Buy a Flood Insurance Policy.
- FEMA Fact Sheet: Think you don’t need flood insurance? Think again (Jan. 21, 2025).
- 44 CFR 61.11, Effective date and time of coverage.
- OpenFEMA Terms and Conditions.
- FEMA OpenFEMA Dataset: FIMA NFIP Redacted Policies - v3.
- OpenFEMA NFIP Redacted Policies v3.
- OpenFEMA NFIP Redacted Claims v3.
- USDA Forest Service, Wildfire Risk to Communities, community summaries.
- Wildfire Risk to Communities methods.
- Citizens Property Insurance Corporation, Policies in Force.
- U.S. Census Bureau TIGERweb, Transportation (primary, secondary and local roads).
Data as of September 8, 2026 (FEMA claims) and November 2, 2026 (flood zones). Page last updated November 2, 2026.