Flood Claims Map

Florida

Flood insurance claims in Columbia County, Florida

FEMA records 338 National Flood Insurance Program claims in Columbia County, Florida, since 1980, with $7.5 million paid in total. The year with the most claims was 2012, with 89. As of 3 August 2026, 2.3% of homes here had an NFIP policy, and 27.4% of homes in the high-risk flood zone did.

NFIP claims on record338
Total paid$7.5 million
Claims with a payment248
Homes with NFIP policy2.3%
High-risk zone homes insured27.4%
Residential policies in force654

Claims by year of loss

1980: 119801981: 01982: 01983: 21984: 1719841985: 21986: 131987: 71988: 019881989: 01990: 01991: 91992: 519921993: 11994: 11995: 11996: 319961997: 01998: 481999: 02000: 020002001: 02002: 12003: 82004: 4720042005: 52006: 12007: 02008: 220082009: 32010: 12011: 02012: 8920122013: 22014: 62015: 02016: 120162017: 372018: 32019: 02020: 020202021: 22022: 02023: 52024: 15202489

NFIP claims by year of loss, Columbia County, Florida

1980: $019801981: $01982: $01983: $01984: $139,34919841985: $1,7091986: $40,3861987: $8,1831988: $019881989: $01990: $01991: $81,7151992: $13,61519921993: $2,6351994: $8461995: $1,3461996: $31,89119961997: $01998: $455,9841999: $02000: $020002001: $02002: $02003: $77,7402004: $922,24820042005: $20,8162006: $02007: $02008: $7,75620082009: $41,3912010: $02011: $02012: $4.3 million20122013: $02014: $65,2242015: $02016: $020162017: $1.1 million2018: $12,8872019: $02020: $020202021: $49,8582022: $02023: $02024: $138,7082024$4.3 million

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

Named flood events with the most claims

Event (FEMA name)Claims
Tropical Storm Debby86
Hurricane Irma36
Hurricane Frances26
Hurricane Jeanne10
Hurricane Debby9
Hurricane Ivan5
Hurricane Josephine3
Tropical Storm Fay2

ZIP codes with the most claims

ZIP code (as reported)Claims
32038107
3202569
3205566
3202463
3209617
326436
320082
320562
320281
320611

218 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $6.0 million, contents $1.5 million, increased cost of compliance $0.

Flood insurance take-up

HomesWith NFIP policyShare
High-risk flood zone1,82449927.4%
All homes28,1076542.3%

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.