Flood Claims Map

Florida

Flood insurance claims in Flagler County, Florida

FEMA records 2,153 National Flood Insurance Program claims in Flagler County, Florida, since 1982, with $78.4 million paid in total. The year with the most claims was 2017, with 754. As of 3 August 2026, 15.2% of homes here had an NFIP policy.

NFIP claims on record2,153
Total paid$78.4 million
Claims with a payment1,556
Homes with NFIP policy15.2%
High-risk zone homes insuredn/a
Residential policies in force7,540

Claims by year of loss

1982: 319821983: 01984: 21985: 01986: 019861987: 21988: 01989: 31990: 019901991: 21992: 21993: 01994: 3619941995: 91996: 31997: 11998: 119981999: 332000: 22001: 622002: 220022003: 32004: 1402005: 52006: 120062007: 112008: 92009: 402010: 220102011: 32012: 52013: 42014: 1620142015: 02016: 4762017: 7542018: 520182019: 52020: 52021: 32022: 42820222023: 32024: 702025: 02026: 22026754

NFIP claims by year of loss, Flagler County, Florida

1982: $019821983: $01984: $3,0301985: $01986: $019861987: $1,4361988: $01989: $01990: $019901991: $01992: $01993: $01994: $44,27619941995: $1,7201996: $01997: $01998: $1,61319981999: $29,2492000: $7232001: $193,3202002: $9,41620022003: $1,2932004: $1.3 million2005: $2562006: $020062007: $26,9362008: $35,2112009: $275,9862010: $020102011: $6,3102012: $11,0362013: $02014: $75,77020142015: $02016: $12.7 million2017: $43.1 million2018: $020182019: $15,0582020: $21,6172021: $02022: $18.5 million20222023: $13,2342024: $1.9 million2025: $02026: $02026$43.1 million

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

Named flood events with the most claims

Event (FEMA name)Claims
Hurricane Irma719
Hurricane Matthew468
Hurricane Nicole252
Hurricane Ian159
Hurricane Frances92
Hurricane Milton65
Torrential rain51
Hurricane Jeanne30

ZIP codes with the most claims

ZIP code (as reported)Claims
321361,298
32137755
3216448
3211034
321747
320365
320802
321261
320371
321511

1,438 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $65.1 million, contents $13.0 million, increased cost of compliance $226,724.

Flood insurance take-up

HomesWith NFIP policyShare
High-risk flood zone2,4822,864n/a
All homes49,6257,54015.2%

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.