Flood Claims Map

Florida

Flood insurance claims in Clay County, Florida

FEMA records 1,744 National Flood Insurance Program claims in Clay County, Florida, since 1979, with $76.3 million paid in total. The year with the most claims was 2017, with 793. As of 3 August 2026, 5.1% of homes here had an NFIP policy, and 48.5% of homes in the high-risk flood zone did.

NFIP claims on record1,744
Total paid$76.3 million
Claims with a payment1,383
Homes with NFIP policy5.1%
High-risk zone homes insured48.5%
Residential policies in force4,005

Claims by year of loss

1979: 219791980: 81981: 01982: 01983: 519831984: 21985: 21986: 11987: 119871988: 121989: 11990: 01991: 1519911992: 851993: 01994: 41995: 319951996: 751997: 211998: 501999: 119992000: 152001: 172002: 22003: 920032004: 1192005: 62006: 02007: 3120072008: 582009: 502010: 22011: 120112012: 1902013: 352014: 22015: 320152016: 562017: 7932018: 52019: 320192020: 22021: 52022: 392023: 520232024: 42025: 4793

NFIP claims by year of loss, Clay County, Florida

1979: $11,04019791980: $25,1471981: $01982: $01983: $5,53419831984: $6,7931985: $01986: $01987: $019871988: $182,5261989: $01990: $01991: $17,26319911992: $1.2 million1993: $01994: $1,4851995: $77019951996: $665,8091997: $210,1881998: $483,1081999: $1,98919992000: $103,9122001: $107,3662002: $4,2742003: $35,68820032004: $1.5 million2005: $32,7182006: $02007: $163,34120072008: $596,3762009: $921,8182010: $02011: $2,07420112012: $4.7 million2013: $616,7612014: $2,8932015: $020152016: $1.2 million2017: $61.2 million2018: $191,7972019: $020192020: $32,1382021: $33,5302022: $1.9 million2023: $12,24820232024: $189,8132025: $82,980$61.2 million

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

Named flood events with the most claims

Event (FEMA name)Claims
Hurricane Irma765
Tropical Storm Debby175
Flooding81
Hurricane Josephine73
Hurricane Jeanne66
Tropical Storm Fay57
Hurricane Matthew55
Hurricane Frances48

ZIP codes with the most claims

ZIP code (as reported)Claims
32068816
32003334
32073272
32043195
32065118
326563
322342
320792
320912

1,216 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $61.2 million, contents $14.1 million, increased cost of compliance $986,135.

Flood insurance take-up

HomesWith NFIP policyShare
High-risk flood zone3,4511,67348.5%
All homes78,1564,0055.1%

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.