Flood Claims Map

Florida

Flood insurance claims in Baker County, Florida

FEMA records 95 National Flood Insurance Program claims in Baker County, Florida, since 1983, with $2.9 million paid in total. The year with the most claims was 2012, with 24. As of 3 August 2026, 1.5% of homes here had an NFIP policy, and 20.9% of homes in the high-risk flood zone did.

NFIP claims on record95
Total paid$2.9 million
Claims with a payment83
Homes with NFIP policy1.5%
High-risk zone homes insured20.9%
Residential policies in force146

Claims by year of loss

1983: 119831984: 11985: 01986: 01987: 019871988: 01989: 01990: 01991: 019911992: 31993: 01994: 01995: 019951996: 61997: 01998: 141999: 019992000: 02001: 02002: 02003: 620032004: 62005: 02006: 02007: 020072008: 92009: 02010: 02011: 020112012: 242013: 02014: 02015: 020152016: 02017: 212018: 02019: 020192020: 02021: 02022: 02023: 120232024: 324

NFIP claims by year of loss, Baker County, Florida

1983: $5,96119831984: $7811985: $01986: $01987: $019871988: $01989: $01990: $01991: $019911992: $103,0431993: $01994: $01995: $019951996: $55,8711997: $01998: $127,0451999: $019992000: $02001: $02002: $02003: $129,81720032004: $246,5852005: $02006: $02007: $020072008: $223,1162009: $02010: $02011: $020112012: $937,7612013: $02014: $02015: $020152016: $02017: $894,3192018: $02019: $020192020: $02021: $02022: $02023: $020232024: $179,506$937,761

Paid on claims by year of loss (building, contents and increased cost of compliance), Baker County, Florida

Named flood events with the most claims

Event (FEMA name)Claims
Tropical Storm Debby24
Hurricane Irma21
Tropical Storm Fay9
Hurricane Frances6
Hurricane Josephine3
Flooding3
Hurricane Debby2
December Nor'easter1

ZIP codes with the most claims

ZIP code (as reported)Claims
3206355
3204040

71 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $2.2 million, contents $618,766, increased cost of compliance $135,000.

Flood insurance take-up

HomesWith NFIP policyShare
High-risk flood zone4599620.9%
All homes9,9541461.5%

FEMA counts residential structures and NFIP residential policies in force as of 3 August 2026. Private flood policies are not counted. A share is shown as n/a where FEMA counts no homes or more policies than homes.

Flood insurance basics. Most standard homeowners policies do not cover flood damage. NFIP policies are sold through insurance agents and through FEMA's FloodSmart site, which also explains waiting periods (usually 30 days before cover starts). Check your property's flood zone on the FEMA Flood Map Service Center.

Sources

  1. FEMA, OpenFEMA FIMA NFIP Redacted Claims (v2 dataset, API v3 NfipClaims), 2,725,989 claim records, retrieved 29 October 2026
  2. FEMA, OpenFEMA NFIP Residential Penetration Rates, as of 3 August 2026

Checked 29 October 2026. Claims are NFIP claims only. Private flood insurance claims and uninsured losses are not included. Recent events can take months to be fully reflected.