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Home insurance & flood costs in ZIP 33810 (Lakeland, FL)

Plain facts for homeowners in Lakeland: 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 33810 at a glance

Four numbers most homeowners ask about first.

$2,099
Avg. home premium

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

$635
Avg. flood policy

Single-family NFIP policies that took effect in 2025.

1.62%
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 33810 in numbers
$15,165
average paid claim (2022)
−31%
premium change 2018–2022, after inflation
2.72%
cancelled by insurers mid-term (2022)
453
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 33810 was $2,099 in 2022, 8% below the Polk County typical ZIP ($2,282) and 35% above the typical U.S. ZIP code ($1,551). After adjusting for inflation, it fell 31% between 2018 and 2022. About 7.6% of policies here had a paid claim in 2022, and insurers chose not to renew 1.62% of policies.

Polk County overview

Average premium per policy

Inflation-adjusted dollars, Treasury FIO
ZIP 33810PolkU.S. typical ZIP

Flood insurance

FEMA NFIP single-family policies, 2022–2025

The average single-family NFIP flood policy that took effect in ZIP 33810 in 2025 cost $635, based on 453 policies, compared with $620 in 2022. About 54% 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

453 policies
A zones 54%X/B/C zones 46%V zones 0%

Claims & hazards

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

The chart shows the share of homeowners policies in ZIP 33810 with at least one paid claim each year. FEMA rates hazards for the whole county, not single ZIP codes. The top hazards for Polk 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

  • Strong wind100 · Very High
  • Lightning100 · Very High
  • Hurricane98 · Very High
  • Wildfire97 · Relatively Moderate
  • Inland flooding95 · Relatively High

Other ZIP codes in Polk County

Average premium per policy in 2022 (Treasury FIO). Showing 12 of 15; see the county page for all.

33803 Lakeland · $3,60033805 Lakeland · $2,14533809 Lakeland · $2,26333811 Lakeland · $2,28633813 Lakeland · $3,35833823 Auburndale · $2,23033830 Bartow · $2,53033837 Davenport · $1,90033844 Haines City · $2,01733860 Mulberry · $2,32833880 Winter Haven · $2,27833881 Winter Haven · $2,390

Practical next steps

Simple things homeowners in ZIP 33810 can do with this information.

Check your flood zone. Look up your address on FEMA's Flood Map Service Center (msc.fema.gov). Standard home policies don't cover flood damage, and flood insurance usually has a 30-day waiting period, so it's worth sorting out before storm season.
Prepare for freezing weather. Burst pipes are a common winter claim. Insulating exposed pipes, keeping heat on while away and knowing where your main water shut-off is all help.
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.

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.