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Insurance
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Data sourced from the Florida Division of Corporations (SunBiz) and DBPR filings, county public records, FEMA, and the U.S. Census Bureau. Not legal advice. Consult association counsel for governance questions.
See also the Florida HOA Act (Fla. Stat. Ch. 720).
180,549 flood policies in force in this ZIP (87,335 condo) · as of 2026-06-10
Reference only; flood-insurance requirements depend on your specific flood zone and lender.
Source: FEMA NFIP community-status records
Annual change in ZIP 32963
2020 +3.5% · 2021 +21.1% · 2022 +17.4% · 2023 +10.5% · 2024 +8.2% · 2025 -8.1%
Area price appreciation for context, not an appraisal of this association or any unit. FHFA labels this index developmental: it is built from Fannie Mae and Freddie Mac mortgage data, and small housing markets are suppressed.
Source: FHFA All-Transactions House Price Index · as of Mar 2026
No Structural Integrity Reserve Study on file yet.
Model SB 4-D reserve contributions for this association’s unit count and building profile before the formal study numbers come in.
Source: FL SIRS · county property records
No officer filings on record for ST DAVID ISLAND (CPS-1) yet.
From public officer filings
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Claim this associationHomeowners insurance in ZIP 32963 · 2022
Average premium changed +7.4% across the filed window (2018 to 2022).
ZIP-area averages from federal filings, not a quote for this building. Your rate depends on the building's construction, claims history, and coverage.
Source: U.S. Treasury Federal Insurance Office (FIO) homeowners filings, 2018–2022
Source: Common Elements directory