Flood Claims Map

Florida

Flood insurance claims in Escambia County, Florida

FEMA records 16,499 National Flood Insurance Program claims in Escambia County, Florida, since 1978, with $731.9 million paid in total. The year with the most claims was 2004, with 4,992. As of 3 August 2026, 8.3% of homes here had an NFIP policy, and 62.0% of homes in the high-risk flood zone did.

NFIP claims on record16,499
Total paid$731.9 million
Claims with a payment12,649
Homes with NFIP policy8.3%
High-risk zone homes insured62.0%
Residential policies in force10,067

Claims by year of loss

1978: 2519781979: 1,0151980: 141981: 61982: 619821983: 191984: 81985: 1821986: 1019861987: 381988: 11989: 111990: 919901991: 91992: 81993: 51994: 1019941995: 2,5711996: 101997: 111998: 1,57619981999: 42000: 92001: 122002: 14920022003: 112004: 4,9922005: 9602006: 620062007: 332008: 252009: 232010: 720102011: 72012: 3852013: 102014: 1,56620142015: 122016: 102017: 392018: 2420182019: 52020: 2,4952021: 282022: 720222023: 1152024: 162025: 22026: 320264,992

NFIP claims by year of loss, Escambia County, Florida

1978: $55,55119781979: $8.8 million1980: $8,3281981: $5881982: $1,25019821983: $27,7551984: $34,0051985: $624,1661986: $39,94819861987: $288,7481988: $8011989: $179,5041990: $173,69319901991: $1,1701992: $6,0931993: $6,1911994: $42,50619941995: $59.4 million1996: $59,8531997: $4,4111998: $11.9 million19981999: $02000: $79,4732001: $186,0922002: $845,25820022003: $4,4392004: $439.4 million2005: $17.4 million2006: $020062007: $364,4752008: $252,4432009: $209,3262010: $43,12720102011: $10,7292012: $10.8 million2013: $46,7342014: $75.4 million20142015: $13,9362016: $57,9652017: $401,8202018: $155,47620182019: $65,8802020: $98.5 million2021: $227,7152022: $25,05020222023: $5.8 million2024: $21,6382025: $02026: $6,6382026$439.4 million

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

Named flood events with the most claims

Event (FEMA name)Claims
Hurricane Ivan4,874
Hurricane Sally2,452
Hurricane Opal2,401
Mid-spring storms1,526
Hurricane Georges (Panhandle)1,399
Hurricane Dennis598
Flooding150
Hurricane Elena147

ZIP codes with the most claims

ZIP code (as reported)Claims
325616,419
325075,663
325061,648
32502500
32514432
32503338
32526314
32505289
32501230
32533208

12,638 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $596.9 million, contents $126.3 million, increased cost of compliance $8.7 million.

Flood insurance take-up

HomesWith NFIP policyShare
High-risk flood zone7,9094,90462.0%
All homes120,94610,0678.3%

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.