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Osceola County, FL flood insurance claims history
1,032 National Flood Insurance Program claims have been filed for flood losses in Osceola County since 1978, and FEMA has paid out $25.0M on them. The worst year was 2022 with 397 claims. Osceola County ranks #36 of 67 in Florida by claim count.
At a glance
- 28% of claims came from buildings outside FEMA’s high-risk flood zones (B, C or X), where lenders usually do not require flood insurance.
- 38% of all claims trace to a single event — Hurricane Ian (2022), which paid $21.1M here.
- Flood claims were filed in 10 of the last 10 years — flooding here is a regular event, not a once-in-a-generation one.
- More flood claims than 47% of the 67 Florida counties with any claims on file — and more than 3 of its 7 neighbors.
- ZIP 34744 has the most claims in the county (273, 26%). Check your ZIP →
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Flood claims by year
Claims by year of loss, 1978–2026. Spikes line up with named storms and major rain events; quiet years still see claims from local flash flooding.
Biggest flood events in Osceola County
| Flood event (FEMA name) | Claims | Paid | Avg / claim | Year |
|---|---|---|---|---|
| Hurricane Ian | 390 | $21.1M | $54K | 2022 |
| Hurricane Irma | 173 | $2.4M | $14K | 2017 |
| Hurricane Charley | 99 | $50K | $502 | 2004 |
| Hurricane Jeanne | 58 | $166K | $3K | 2004 |
| Hurricane Frances | 41 | $67K | $2K | 2004 |
| Hurricane Milton | 16 | $79K | $5K | 2024 |
| Flooding (FEMA general label) | 9 | $960 | $107 | 1995 |
| Tropical Storm Fay | 7 | $29K | $4K | 2008 |
| Hurricane Ivan | 5 | $7K | $1K | 2004 |
| Tropical Storm Debby | 3 | $0 | $0 | 2012 |
| Hurricane Wilma | 3 | $5K | $2K | 2005 |
| Hurricane Hermine | 2 | $12K | $6K | 2016 |
78% of claims here fall under these 12 entries. “FEMA general label” groups many separate floods under one name; the rest of the claims have no event name.
Claims by flood zone
Not sure what the zone letters mean? Flood zones explained →
| Flood zone at rating | Claims | Paid | Avg / claim |
|---|---|---|---|
| High-risk A zones (A, AE, AH, AO, A1–A30, AR) | 740 | $18.8M | $25K |
| Moderate / low-risk zones (B, C, X) | 289 | $6.2M | $21K |
| Zone not recorded | 3 | $29K | $10K |
What caused the flooding
| Cause of damage (as coded by FEMA) | Claims | Share |
|---|---|---|
| Accumulation of rainfall or snowmelt | 502 | 49% |
| Stream, river or lake overflow | 217 | 21% |
| Other causes | 169 | 16% |
| Tidal water overflow (storm surge) | 81 | 8% |
| Not recorded | 57 | 6% |
| Alluvial fan overflow | 4 | 0% |
Flood claims by ZIP code in Osceola County
16 ZIP codes in Osceola County have at least one NFIP claim. ZIP codes can cross county lines; this table counts only claims FEMA assigned to Osceola County.
| 34744 | 273 | $12.0M | 26% | 25 | 2024 |
| 34741 | 168 | $7.0M | 16% | 15 | 2024 |
| 34746 | 141 | $1.5M | 14% | 23 | 2026 |
| 34743 | 92 | $2.6M | 9% | 14 | 2024 |
| 34771 | 75 | $563K | 7% | 17 | 2025 |
| 34758 | 72 | $251K | 7% | 19 | 2025 |
| 34759 | 71 | $283K | 7% | 15 | 2026 |
| 34769 | 58 | $511K | 6% | 13 | 2022 |
| 34772 | 54 | $222K | 5% | 17 | 2024 |
| 34747 | 14 | $7K | 1% | 6 | 2022 |
| 34739 | 5 | $4K | 0% | 3 | 2017 |
| 34972 | 3 | $20K | 0% | 3 | 2017 |
| 33896 | 2 | $40K | 0% | 2 | 2017 |
| 32769 | 2 | $0 | 0% | 2 | 1984 |
| 34773 | 1 | $21K | 0% | 1 | 2004 |
| 33848 | 1 | $0 | 0% | 1 | 2004 |
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When does Osceola County flood?
September accounts for the most flood losses (690 claims, 67%). Claims by month of loss:
| Month | Claims | Share |
|---|---|---|
| January | 6 | 1% |
| February | 7 | 1% |
| March | 16 | 2% |
| April | 10 | 1% |
| May | 10 | 1% |
| June | 31 | 3% |
| July | 44 | 4% |
| August | 144 | 14% |
| September | 690 | 67% |
| October | 42 | 4% |
| November | 16 | 2% |
| December | 16 | 2% |
Year-by-year detail
| Year of loss | Claims | Paid |
|---|---|---|
| 2026 | 2 | $0 |
| 2025 | 2 | $0 |
| 2024 | 22 | $79K |
| 2023 | 3 | $35K |
| 2022 | 397 | $21.1M |
| 2021 | 5 | $11K |
| 2020 | 10 | $129K |
| 2019 | 2 | $0 |
| 2018 | 3 | $0 |
| 2017 | 192 | $2.5M |
| 2016 | 16 | $17K |
| 2015 | 5 | $7K |
| 2014 | 8 | $41K |
| 2013 | 6 | $27K |
| 2012 | 6 | $9K |
| 2011 | 8 | $12K |
| 2010 | 6 | $5K |
| 2009 | 24 | $437K |
| 2008 | 12 | $29K |
| 2007 | 3 | $0 |
| 2005 | 12 | $83K |
| 2004 | 204 | $296K |
| 2003 | 19 | $96K |
| 2002 | 13 | $17K |
| 2001 | 3 | $0 |
| 2000 | 2 | $0 |
| 1999 | 2 | $0 |
| 1998 | 3 | $746 |
| 1997 | 9 | $15K |
| 1996 | 1 | $1K |
| 1995 | 12 | $960 |
| 1994 | 9 | $11K |
| 1991 | 1 | $1K |
| 1990 | 1 | $0 |
| 1987 | 3 | $1K |
| 1985 | 1 | $0 |
| 1984 | 2 | $9K |
| 1983 | 1 | $0 |
| 1979 | 1 | $0 |
| 1978 | 1 | $7K |
Neighboring counties
Osceola County borders 7 areas we cover. Flood risk does not stop at a county line, so it is worth comparing.
| Neighbor | Claims | Paid | Outside high-risk |
|---|---|---|---|
| Osceola County (this page) | 1,032 | $25.0M | 28% |
| Brevard County | 5,690 | $69.1M | 61% |
| Indian River County | 3,349 | $67.0M | 40% |
| Orange County | 2,271 | $73.1M | 43% |
| Polk County | 1,671 | $45.8M | 38% |
| Lake County | 470 | $7.3M | 30% |
| Okeechobee County | 295 | $1.9M | 26% |
| Highlands County | 202 | $2.6M | 43% |
All 67 Florida counties → · County and ZIP rankings →
Common questions about flooding in Osceola County
- Has Osceola County flooded recently?
- Yes — the most recent flood loss with an insurance claim on file was on 2026-08-26, and claims were filed in 10 of the last 10 years (638 claims from 2017 to 2026). FEMA’s data runs to 2026-09-07, so the newest events may not appear yet.
- Do I need flood insurance in a low-risk zone here?
- Lenders generally require it only in high-risk A and V zones. But 28% of Osceola County’s claims came from moderate- and low-risk zones. Whether to buy coverage is your call — see flood zones explained and check your address on the FEMA Flood Map Service Center.
- Can I see whether a specific house has flooded?
- Not here. FEMA removes addresses before publishing, so these figures describe areas, never a property. Our guide how to check if a house has flooded lists the questions and records that can tell you about a specific home.
- Why might the real number of floods be higher?
- Only buildings with National Flood Insurance can file these claims, and most homes are not insured for flood. More on what the counts mean in understanding NFIP claims data.
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About these numbers
Figures are aggregated from FEMA’s OpenFEMA NFIP Redacted Claims dataset (county FIPS 12097, data as of 2026-09-07). They cover only properties that carried National Flood Insurance — most homes do not, and private flood policies are not included — so real flood damage is larger than these counts show. Dollar amounts are as paid, in nominal dollars. Flood zone is the zone used to rate the policy at the time, which may differ from today’s map. FEMA states this dataset is not an official federal report. Use it for background, not for a purchase, insurance or legal decision; for a specific property ask the seller for its flood disclosure or the owner’s NFIP loss history.