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Flood insurance costs in ZIP 34637 (Land O Lakes, FL)

Plain facts for homeowners in Land O Lakes: what flood insurance costs here, which flood zones local policies are in, and how the area's home insurance compares.

See the numbers

Historical averages, not a quote. Updated Oct 2026.

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ZIP 34637 at a glance

Four numbers most homeowners ask about first.

$506
Avg. flood policy

Single-family NFIP policies that took effect in 2025.

408
Flood policies

Single-family NFIP policies that took effect in 2025.

40%
In A or V zones

Share of those policies for homes in FEMA's high-risk flood zones.

$2,204
County home premium

Typical Pasco County ZIP in 2022 (Treasury, inflation-adjusted).

ZIP 34637 in numbers
$491
median flood policy cost (2025)
$247,137
average building coverage
$515
average flood policy (2022)
Rel. high
county FEMA risk rating

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

Treasury didn't publish homeowners figures for ZIP 34637. It only released ZIP codes with at least 10 reporting insurers and 50 policies in its data. For reference, the typical ZIP code in Pasco County averaged $2,204 per policy in 2022.

Pasco County, Florida and U.S. typical ZIP codes

Pasco County overview

Typical premium per policy

Inflation-adjusted dollars, median across ZIP codes
PascoFloridaU.S. typical ZIP

Flood insurance

FEMA NFIP single-family policies, 2022–2025

The average single-family NFIP flood policy that took effect in ZIP 34637 in 2025 cost $506, based on 408 policies, compared with $515 in 2022. About 40% 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

408 policies
A zones 40%X/B/C zones 60%V zones 0%

Natural hazards

FEMA National Risk Index for Pasco County

FEMA rates hazards for the whole county, not single ZIP codes. The top hazards for Pasco County are listed, as national percentiles (100 = highest).

All county hazards

Top county hazards

  • Tornado98 · Relatively High
  • Hurricane98 · Very High
  • Lightning97 · Very High
  • Inland flooding95 · Relatively High
  • Wildfire95 · Relatively Moderate

Other ZIP codes in Pasco County

ZIP codes with their own page. Showing 12 of 18; see the county page for all.

33523 Dade City · $2,50933525 Dade City · $2,43533541 Zephyrhills · $1,76833543 Wesley Chapel · $2,11433544 Wesley Chapel · $2,27033545 Wesley Chapel · $1,91733576 San Antonio · $1,50334610 Spring Hill · $2,19034638 Land O Lakes · $1,94634639 Land O Lakes · $2,39934652 New Port Richey · —34653 New Port Richey · —

Practical next steps

Simple things homeowners in ZIP 34637 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.
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.

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.