Look up a ZIP
United States › Florida › Flagler County › ZIP 32164

Home insurance & flood costs in ZIP 32164 (Palm Coast, FL)

Plain facts for homeowners in Palm Coast: what insurance cost here in recent years, how often claims were paid, and what flood coverage runs.

See the numbers

Historical averages, not a quote. Updated Oct 2026.

Illustration of a house on a hill in front of a large shield

ZIP 32164 at a glance

Four numbers most homeowners ask about first.

$2,074
Avg. home premium

Per policy in 2022 (inflation-adjusted), HO-3/HO-5 policies.

$524
Avg. flood policy

Single-family NFIP policies that took effect in 2025.

0.09%
Nonrenewal rate

Share of policies not renewed by insurers in 2022. Typical U.S. ZIP: 0.81%.

10.6%
Claim frequency

Share of policies with a paid claim in 2022. Typical U.S. ZIP: 4.0%.

ZIP 32164 in numbers
$18,344
average paid claim (2022)
−21%
premium change 2018–2022, after inflation
0.78%
cancelled by insurers mid-term (2022)
1,338
single-family NFIP policies (2025)

What homeowners here pay

Each block pairs a short explanation with the data behind it.

Homeowners insurance

U.S. Treasury FIO, HO-3/HO-5 policies, 2018–2022

The average premium per policy in ZIP 32164 was $2,074 in 2022, 41% below the Flagler County typical ZIP ($3,515) and 34% above the typical U.S. ZIP code ($1,551). After adjusting for inflation, it fell 21% between 2018 and 2022. About 10.6% of policies here had a paid claim in 2022, and insurers chose not to renew 0.09% of policies.

Flagler County overview

Average premium per policy

Inflation-adjusted dollars, Treasury FIO
ZIP 32164FlaglerU.S. typical ZIP

Flood insurance

FEMA NFIP single-family policies, 2022–2025

The average single-family NFIP flood policy that took effect in ZIP 32164 in 2025 cost $524, based on 1,338 policies, compared with $521 in 2022. About 2% of them are for homes in high-risk A or V zones.

Average flood policy cost

Full cost incl. fees, by year the policy took effect

Policies by flood zone, 2025

1,338 policies
A zones 2%X/B/C zones 98%V zones 0%

Claims & hazards

Treasury FIO claim frequency; FEMA National Risk Index for Flagler County

The chart shows the share of homeowners policies in ZIP 32164 with at least one paid claim each year. FEMA rates hazards for the whole county, not single ZIP codes. The top hazards for Flagler County are listed below the chart, as national percentiles (100 = highest).

All county hazards

Policies with a paid claim

Share of policies, by year

Top county hazards

  • Hurricane95 · Relatively High
  • Wildfire88 · Relatively Low
  • Tornado81 · Relatively Moderate
  • Inland flooding79 · Relatively Moderate
  • Lightning76 · Relatively Moderate

Other ZIP codes in Flagler County

Average premium per policy in 2022 (Treasury FIO).

32136 Flagler Beach · $5,16332137 Palm Coast · $3,515

Practical next steps

Simple things homeowners in ZIP 32164 can do with this information.

Ask about a wind mitigation inspection. Florida insurers must offer discounts for wind-resistant features such as roof-to-wall straps, a secondary water barrier and opening protection. A licensed inspector's form documents what your home has.
Create defensible space. Clearing dry brush and debris within 30 feet of the house and using ember-resistant vents can lower wildfire exposure. Some insurers and states recognize mitigation work with discounts.
Compare at renewal. Premiums vary widely by ZIP code, home and insurer. Use these averages as a reference point, not a price, and compare a few quotes at renewal.
Keep records. A roof certificate, receipts for upgrades and photos of your home's condition can help when you shop for coverage or file a claim.

Historical averages, not a quote. Homeowners figures are inflation-adjusted averages from the U.S. Treasury Federal Insurance Office "Supporting Underlying Metrics" (2018–2022, published January 2025). They cover HO-3/HO-5 policies from participating private insurers and exclude state residual-market plans (such as FAIR plans and Citizens), surplus-lines and flood coverage. Treasury notes that individual ZIP codes can contain data anomalies. Your price depends on your home, coverage and insurer. Treasury's data covers a smaller share of Florida's market than of other states and leaves out Citizens Property Insurance and other residual-market policies, so Florida figures are less representative.

Sources: U.S. Treasury FIO; FEMA OpenFEMA NFIP Redacted Policies v3 (data as of Sep 8, 2026); FEMA National Risk Index (December 2025); U.S. Census Bureau ZCTA-to-county relationship file (2020) and county adjacency file; GeoNames place names. How we calculate these numbers.

This product uses the FEMA OpenFEMA API and National Risk Index data, but is not endorsed by FEMA. The Federal Government or FEMA cannot vouch for the data or analyses derived from these data after the data have been retrieved from the Agency's website(s). SafeHomeFacts is independent and not affiliated with the U.S. Treasury, FEMA or any insurer.