Flood Claims Map

Florida

Flood insurance claims in Charlotte County, Florida

FEMA records 11,697 National Flood Insurance Program claims in Charlotte County, Florida, since 1978, with $475.5 million paid in total. The year with the most claims was 2024, with 6,250. As of 3 August 2026, 32.0% of homes here had an NFIP policy, and 57.9% of homes in the high-risk flood zone did.

NFIP claims on record11,697
Total paid$475.5 million
Claims with a payment7,676
Homes with NFIP policy32.0%
High-risk zone homes insured57.9%
Residential policies in force32,247

Claims by year of loss

1978: 219781979: 51980: 11981: 31982: 20219821983: 41984: 31985: 921986: 219861987: 21988: 1011989: 41990: 619901991: 71992: 1111993: 881994: 1319941995: 4241996: 881997: 211998: 1419981999: 132000: 662001: 3472002: 1520022003: 612004: 9532005: 352006: 420062007: 42008: 112009: 72010: 1420102011: 22012: 202013: 182014: 120142015: 22016: 212017: 2512018: 420182019: 72020: 332021: 92022: 2,19220222023: 1542024: 6,2502025: 82026: 220266,250

NFIP claims by year of loss, Charlotte County, Florida

1978: $019781979: $3,8081980: $01981: $01982: $350,11719821983: $7,9681984: $01985: $348,4911986: $019861987: $10,2551988: $294,1641989: $01990: $63,16719901991: $56,8771992: $186,2101993: $548,0651994: $182,14119941995: $2.2 million1996: $425,8681997: $82,6141998: $10,13019981999: $28,3882000: $436,4142001: $3.7 million2002: $17,80820022003: $175,5242004: $2.4 million2005: $89,0872006: $13,26820062007: $02008: $63,9532009: $23,0752010: $27,80220102011: $02012: $9,7762013: $86,7222014: $020142015: $02016: $80,1542017: $3.7 million2018: $34,00020182019: $6602020: $813,6442021: $02022: $52.2 million20222023: $5.7 million2024: $401.2 million2025: $02026: $22,1862026$401.2 million

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

Named flood events with the most claims

Event (FEMA name)Claims
Hurricane Milton3,511
Hurricane Helene2,670
Hurricane Ian2,160
Hurricane Charley811
Torrential rain329
Hurricane Irma229
Flooding211
The 'No-Name Storm'196

ZIP codes with the most claims

ZIP code (as reported)Claims
339503,199
342232,025
339521,384
34224977
33946733
33981574
33948558
33980549
33982479
33947386

11,242 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $431.9 million, contents $43.2 million, increased cost of compliance $432,519.

Flood insurance take-up

HomesWith NFIP policyShare
High-risk flood zone49,03828,40857.9%
All homes100,66632,24732.0%

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.