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Home insurance & flood costs in ZIP 32526 (Pensacola, FL)

Plain facts for homeowners in Pensacola: 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.

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ZIP 32526 at a glance

Four numbers most homeowners ask about first.

$2,850
Avg. home premium

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

$818
Avg. flood policy

Single-family NFIP policies that took effect in 2025.

0.06%
Nonrenewal rate

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

7.6%
Claim frequency

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

ZIP 32526 in numbers
$26,143
average paid claim (2022)
−12%
premium change 2018–2022, after inflation
0.85%
cancelled by insurers mid-term (2022)
702
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 32526 was $2,850 in 2022, 59% below the Escambia County typical ZIP ($7,028) and 84% above the typical U.S. ZIP code ($1,551). After adjusting for inflation, it fell 12% between 2018 and 2022. About 7.6% of policies here had a paid claim in 2022, and insurers chose not to renew 0.06% of policies.

Escambia County overview

Average premium per policy

Inflation-adjusted dollars, Treasury FIO
ZIP 32526EscambiaU.S. typical ZIP

Flood insurance

FEMA NFIP single-family policies, 2022–2025

The average single-family NFIP flood policy that took effect in ZIP 32526 in 2025 cost $818, based on 702 policies, compared with $670 in 2022. About 13% 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

702 policies
A zones 12%X/B/C zones 87%V zones 1%

Claims & hazards

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

The chart shows the share of homeowners policies in ZIP 32526 with at least one paid claim each year. FEMA rates hazards for the whole county, not single ZIP codes. The top hazards for Escambia 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

  • Lightning99 · Very High
  • Hurricane99 · Very High
  • Heat wave94 · Relatively Moderate
  • Inland flooding89 · Relatively Moderate
  • Wildfire83 · Relatively Low

Other ZIP codes in Escambia County

Average premium per policy in 2022 (Treasury FIO).

32501 Pensacola · $10,23132502 Pensacola · —32503 Pensacola · $7,57732504 Pensacola · $7,06732505 Pensacola · $3,69532506 Pensacola · $4,04332507 Pensacola · $7,02832514 Pensacola · $3,64032533 Cantonment · —32561 Gulf Breeze · $19,891

Practical next steps

Simple things homeowners in ZIP 32526 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.
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.
Review your deductibles. Many policies have separate wind, hail or hurricane deductibles set as a percentage of your dwelling coverage. Knowing yours in dollars helps you budget.

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.