ZipFactbookHome › Flood claims › Florida
Florida flood insurance claims by county
448,618 National Flood Insurance Program claims across 67 Florida counties since 1978, with $19.37B paid. The worst year statewide was 2024 (80,446 claims), and September is the peak month for flood losses. Pick a county for ZIP-level detail.
NFIP claims
448,618
1978 – 2026
Total paid
$19.37B
nominal dollars
Counties with claims
67
each has its own page
Outside high-risk zones
15%
of claims with a known zone
Florida flood claims by year
Peak: 80,446 claims in 2024
All Florida NFIP claims by year of loss.
Florida counties by flood claims
| Miami-Dade County | 62,029 | $855.8M | 9% | 1999 | Hurricane Irene (1999) |
| Pinellas County | 51,779 | $3.76B | 5% | 2024 | Hurricane Helene (2024) |
| Lee County | 48,496 | $3.96B | 4% | 2022 | Hurricane Ian (2022) |
| Broward County | 35,049 | $457.9M | 11% | 1999 | Hurricane Irene (1999) |
| Monroe County | 27,430 | $714.0M | 2% | 2005 | Hurricane Wilma (2005) |
| Hillsborough County | 18,556 | $1.18B | 13% | 2024 | Hurricane Helene (2024) |
| Escambia County | 16,499 | $731.9M | 23% | 2004 | Hurricane Ivan (2004) |
| Collier County | 14,773 | $1.13B | 7% | 2022 | Hurricane Ian (2022) |
| Pasco County | 14,544 | $692.7M | 7% | 2024 | Hurricane Helene (2024) |
| Sarasota County | 14,415 | $856.6M | 12% | 2024 | Hurricane Helene (2024) |
| Volusia County | 12,577 | $582.1M | 37% | 2022 | Hurricane Ian (2022) |
| Charlotte County | 11,697 | $475.5M | 4% | 2024 | Hurricane Milton (2024) |
| Manatee County | 11,389 | $650.6M | 7% | 2024 | Hurricane Helene (2024) |
| Palm Beach County | 10,758 | $72.3M | 50% | 2004 | Hurricane Frances (2004) |
| Santa Rosa County | 10,439 | $527.5M | 23% | 2004 | Hurricane Ivan (2004) |
| Bay County | 9,005 | $337.5M | 54% | 1995 | Hurricane Opal (1995) |
| Okaloosa County | 8,226 | $283.1M | 43% | 1995 | Hurricane Opal (1995) |
| St. Johns County | 7,639 | $252.4M | 16% | 2016 | Hurricane Matthew (2016) |
| Citrus County | 7,076 | $384.9M | 1% | 2024 | Hurricane Helene (2024) |
| Duval County | 6,064 | $214.7M | 51% | 2017 | Hurricane Irma (2017) |
| Brevard County | 5,690 | $69.1M | 61% | 2008 | Tropical Storm Fay (2008) |
| St. Lucie County | 3,988 | $84.7M | 25% | 2004 | Hurricane Jeanne (2004) |
| Indian River County | 3,349 | $67.0M | 40% | 2004 | Hurricane Frances (2004) |
| Hernando County | 3,245 | $138.4M | 7% | 2024 | Hurricane Helene (2024) |
| Walton County | 3,174 | $68.5M | 59% | 1995 | Hurricane Opal (1995) |
| Franklin County | 2,866 | $46.6M | 2% | 2018 | Hurricane Michael (2018) |
| Martin County | 2,631 | $40.0M | 40% | 2004 | Hurricane Jeanne (2004) |
| Orange County | 2,271 | $73.1M | 43% | 2022 | Hurricane Ian (2022) |
| Flagler County | 2,153 | $78.4M | 33% | 2017 | Hurricane Irma (2017) |
| Clay County | 1,744 | $76.3M | 30% | 2017 | Hurricane Irma (2017) |
| Gulf County | 1,717 | $94.7M | 26% | 2018 | Hurricane Michael (2018) |
| Polk County | 1,671 | $45.8M | 38% | 2004 | Hurricane Milton (2024) |
| Seminole County | 1,562 | $54.0M | 41% | 2022 | Hurricane Ian (2022) |
| Wakulla County | 1,554 | $34.4M | 2% | 2005 | Hurricane Dennis (2005) |
| Levy County | 1,316 | $55.3M | 2% | 2024 | Hurricane Helene (2024) |
| Osceola County | 1,032 | $25.0M | 28% | 2022 | Hurricane Ian (2022) |
| Leon County | 1,015 | $11.9M | 39% | 1994 | Tropical Storm Allison (2001) |
| Dixie County | 916 | $21.4M | 3% | 1996 | Hurricane Josephine (1996) |
| Nassau County | 845 | $12.7M | 48% | 2017 | Hurricane Irma (2017) |
| Taylor County | 693 | $37.4M | 4% | 2024 | Hurricane Helene (2024) |
| Putnam County | 621 | $10.7M | 13% | 2017 | Hurricane Irma (2017) |
| Lake County | 470 | $7.3M | 30% | 2017 | Hurricane Irma (2017) |
| DeSoto County | 453 | $17.1M | 14% | 2022 | Hurricane Ian (2022) |
| Suwannee County | 364 | $8.4M | 27% | 2012 | Tropical Storm Debby (2012) |
| Columbia County | 338 | $7.5M | 27% | 2012 | Tropical Storm Debby (2012) |
| Alachua County | 309 | $8.8M | 45% | 2017 | Hurricane Irma (2017) |
| Okeechobee County | 295 | $1.9M | 26% | 2004 | Hurricane Wilma (2005) |
| Marion County | 250 | $6.0M | 49% | 2017 | Hurricane Irma (2017) |
| Gilchrist County | 212 | $2.2M | 10% | 1998 | Hurricane Jeanne (2004) |
| Lafayette County | 207 | $2.5M | 5% | 1998 | Hurricane Jeanne (2004) |
| Highlands County | 202 | $2.6M | 43% | 2017 | Hurricane Irma (2017) |
| Washington County | 184 | $4.6M | 17% | 1994 | Tropical Storm Alberto (1994) |
| Bradford County | 184 | $4.2M | 28% | 2017 | Hurricane Irma (2017) |
| Holmes County | 165 | $2.8M | 15% | 1998 | Tropical Storm Alberto (1994) |
| Calhoun County | 142 | $2.1M | 20% | 1998 | Tropical Storm Alberto (1994) |
| Hendry County | 132 | $742K | 25% | 2005 | Hurricane Wilma (2005) |
| Hardee County | 129 | $6.1M | 45% | 2022 | Hurricane Ian (2022) |
| Sumter County | 123 | $1.5M | 47% | 2024 | Hurricane Milton (2024) |
| Hamilton County | 116 | $1.6M | 7% | 1984 | Tropical Storm Debby (2012) |
| Baker County | 95 | $2.9M | 23% | 2012 | Tropical Storm Debby (2012) |
| Madison County | 84 | $1.5M | 9% | 2009 | Hurricane Debby (2024) |
| Jackson County | 72 | $877K | 41% | 2018 | Hurricane Michael (2018) |
| Glades County | 56 | $394K | 18% | 2008 | Tropical Storm Fay (2008) |
| Gadsden County | 41 | $328K | 61% | 1994 | Hurricane Opal (1995) |
| Union County | 31 | $500K | 27% | 1998 | Tropical Storm Debby (2012) |
| Jefferson County | 18 | $88K | 12% | 1985 | Tropical Storm Fay (2008) |
| Liberty County | 9 | $132K | 33% | 1994 | Tropical Storm Alberto (1994) |
All 67 counties — click a column to sort.
Largest flood events in Florida
| Flood event (FEMA name) | Claims | Paid | Year |
|---|---|---|---|
| Hurricane Helene | 54,676 | $6.49B | 2024 |
| Hurricane Ian | 47,556 | $4.87B | 2022 |
| Hurricane Irma | 28,756 | $985.5M | 2017 |
| Hurricane Milton | 21,663 | $1.21B | 2024 |
| Hurricane Irene | 21,192 | $117.9M | 1999 |
| Hurricane Wilma | 16,557 | $358.1M | 2005 |
| Hurricane Ivan | 12,934 | $966.7M | 2004 |
| Flooding (FEMA general label) | 12,127 | $158.3M | 2000 |
| Hurricane Opal | 11,998 | $388.9M | 1995 |
| Blizzard of 1993 | 10,213 | $196.5M | 1993 |
| Hurricane Elena | 9,836 | $77.3M | 1985 |
| Hurricane Frances | 9,002 | $153.9M | 2004 |
Flood claims outside the high-risk map
High-risk A zones: 353,571 (79%)Coastal high-risk V zones: 25,122 (6%)Moderate / low-risk zones (B, C, X): 65,650 (15%)Zone not recorded: 4,275 (1%)
Counties (with at least 100 claims) where the largest share of claims came from moderate- or low-risk zones:
| County | Claims in B / C / X zones | Share of all claims |
|---|---|---|
| Brevard County | 3,457 | 61% |
| Walton County | 1,865 | 59% |
| Bay County | 4,826 | 54% |
| Duval County | 3,060 | 51% |
| Palm Beach County | 5,213 | 50% |
| Marion County | 120 | 49% |
| Nassau County | 404 | 48% |
| Sumter County | 55 | 47% |
| Alachua County | 135 | 45% |
| Hardee County | 57 | 45% |
All 67 Florida counties
Alachua County (309)Baker County (95)Bay County (9,005)Bradford County (184)Brevard County (5,690)Broward County (35,049)Calhoun County (142)Charlotte County (11,697)Citrus County (7,076)Clay County (1,744)Collier County (14,773)Columbia County (338)DeSoto County (453)Dixie County (916)Duval County (6,064)Escambia County (16,499)Flagler County (2,153)Franklin County (2,866)Gadsden County (41)Gilchrist County (212)Glades County (56)Gulf County (1,717)Hamilton County (116)Hardee County (129)Hendry County (132)Hernando County (3,245)Highlands County (202)Hillsborough County (18,556)Holmes County (165)Indian River County (3,349)Jackson County (72)Jefferson County (18)Lafayette County (207)Lake County (470)Lee County (48,496)Leon County (1,015)Levy County (1,316)Liberty County (9)Madison County (84)Manatee County (11,389)Marion County (250)Martin County (2,631)Miami-Dade County (62,029)Monroe County (27,430)Nassau County (845)Okaloosa County (8,226)Okeechobee County (295)Orange County (2,271)Osceola County (1,032)Palm Beach County (10,758)Pasco County (14,544)Pinellas County (51,779)Polk County (1,671)Putnam County (621)Santa Rosa County (10,439)Sarasota County (14,415)Seminole County (1,562)St. Johns County (7,639)St. Lucie County (3,988)Sumter County (123)Suwannee County (364)Taylor County (693)Union County (31)Volusia County (12,577)Wakulla County (1,554)Walton County (3,174)Washington County (184)
Source: FEMA OpenFEMA NFIP Redacted Claims, U.S. government work. 1,444 Florida claims have no county code and appear only in the statewide totals. Counties with no NFIP claim on file do not have a page. Reference only — not for insurance, legal or real-estate decisions.