Flood Claims Map

Florida

Flood insurance claims in Gadsden County, Florida

FEMA records 41 National Flood Insurance Program claims in Gadsden County, Florida, since 1979, with $328,346 paid in total. The year with the most claims was 1994, with 6. As of 3 August 2026, 0.4% of homes here had an NFIP policy, and 10.9% of homes in the high-risk flood zone did.

NFIP claims on record41
Total paid$328,346
Claims with a payment25
Homes with NFIP policy0.4%
High-risk zone homes insured10.9%
Residential policies in force79

Claims by year of loss

1979: 119791980: 01981: 01982: 11983: 119831984: 11985: 21986: 11987: 019871988: 01989: 01990: 01991: 319911992: 01993: 01994: 61995: 519951996: 01997: 01998: 51999: 019992000: 02001: 32002: 12003: 020032004: 02005: 12006: 02007: 020072008: 22009: 22010: 02011: 020112012: 02013: 02014: 02015: 020152016: 02017: 12018: 02019: 020192020: 22021: 02022: 02023: 020232024: 36

NFIP claims by year of loss, Gadsden County, Florida

1979: $1,16419791980: $01981: $01982: $01983: $9,76919831984: $11,7071985: $4261986: $19,6531987: $019871988: $01989: $01990: $01991: $3,80119911992: $01993: $01994: $23,3441995: $12,47419951996: $01997: $01998: $46,8361999: $019992000: $02001: $5,1402002: $02003: $020032004: $02005: $02006: $02007: $020072008: $37,8292009: $30,3002010: $02011: $020112012: $02013: $02014: $02015: $020152016: $02017: $4,3942018: $02019: $020192020: $4,4692021: $02022: $02023: $020232024: $117,041$117,041

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

Named flood events with the most claims

Event (FEMA name)Claims
Hurricane Opal5
Hurricane Kate2
Tropical Storm Fay2
Hurricane Sally2
Tropical Storm Allison1
Hurricane Earl1
Tropical Storm Alberto1
Hurricane Irma1

ZIP codes with the most claims

ZIP code (as reported)Claims
3235115
3233312
3232410
326432
323031
323521

15 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $244,355, contents $83,991, increased cost of compliance $0.

Flood insurance take-up

HomesWith NFIP policyShare
High-risk flood zone3123410.9%
All homes18,318790.4%

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.