Flood Claims Map

Florida

Flood insurance claims in Bradford County, Florida

FEMA records 184 National Flood Insurance Program claims in Bradford County, Florida, since 1980, with $4.2 million paid in total. The year with the most claims was 2017, with 89. As of 3 August 2026, 4.0% of homes here had an NFIP policy, and 26.9% of homes in the high-risk flood zone did.

NFIP claims on record184
Total paid$4.2 million
Claims with a payment133
Homes with NFIP policy4.0%
High-risk zone homes insured26.9%
Residential policies in force436

Claims by year of loss

1980: 119801981: 01982: 01983: 21984: 019841985: 11986: 01987: 01988: 019881989: 01990: 01991: 01992: 119921993: 21994: 01995: 01996: 119961997: 01998: 251999: 02000: 020002001: 02002: 02003: 02004: 1520042005: 12006: 12007: 12008: 120082009: 12010: 12011: 02012: 2520122013: 42014: 02015: 22016: 120162017: 892018: 12019: 02020: 120202021: 22022: 02023: 12024: 320242025: 189

NFIP claims by year of loss, Bradford County, Florida

1980: $12719801981: $01982: $01983: $1,7791984: $019841985: $01986: $01987: $01988: $019881989: $01990: $01991: $01992: $3,60019921993: $01994: $01995: $01996: $2,00219961997: $01998: $154,2291999: $02000: $020002001: $02002: $02003: $02004: $96,83220042005: $02006: $7,4632007: $2,9772008: $6,35420082009: $1,2202010: $02011: $02012: $504,37120122013: $73,9792014: $02015: $10,9922016: $1,16920162017: $3.2 million2018: $30,1612019: $02020: $020202021: $5,9952022: $02023: $02024: $170,49820242025: $0$3.2 million

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

Named flood events with the most claims

Event (FEMA name)Claims
Hurricane Irma82
Tropical Storm Debby23
Hurricane Jeanne12
Hurricane Debby3
Hurricane Frances2
Blizzard of 19932
Hurricane Josephine1
Hurricane Isaac1

ZIP codes with the most claims

ZIP code (as reported)Claims
32091119
3266623
3205818
3204415
326565
326224

129 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $3.5 million, contents $735,482, increased cost of compliance $50,110.

Flood insurance take-up

HomesWith NFIP policyShare
High-risk flood zone1,31735426.9%
All homes10,8794364.0%

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.