Flood Claims Map

Florida

Flood insurance claims in Gilchrist County, Florida

FEMA records 212 National Flood Insurance Program claims in Gilchrist County, Florida, since 1983, with $2.2 million paid in total. The year with the most claims was 1998, with 62. As of 3 August 2026, 2.3% of homes here had an NFIP policy, and 17.6% of homes in the high-risk flood zone did.

NFIP claims on record212
Total paid$2.2 million
Claims with a payment174
Homes with NFIP policy2.3%
High-risk zone homes insured17.6%
Residential policies in force180

Claims by year of loss

1983: 419831984: 81985: 01986: 91987: 419871988: 11989: 01990: 11991: 1519911992: 01993: 01994: 01995: 019951996: 11997: 01998: 621999: 019992000: 02001: 02002: 02003: 420032004: 312005: 152006: 02007: 020072008: 02009: 192010: 02011: 020112012: 72013: 52014: 52015: 120152016: 12017: 82018: 12019: 220192020: 12021: 32022: 02023: 020232024: 462

NFIP claims by year of loss, Gilchrist County, Florida

1983: $9,74719831984: $70,2811985: $01986: $41,8181987: $11,30019871988: $1,9711989: $01990: $01991: $78,16619911992: $01993: $01994: $01995: $019951996: $01997: $01998: $614,4671999: $019992000: $02001: $02002: $02003: $12,57920032004: $675,4692005: $88,4162006: $02007: $020072008: $02009: $207,6582010: $02011: $020112012: $33,0352013: $40,7422014: $110,2262015: $020152016: $16,4422017: $108,0552018: $31,3542019: $7,07320192020: $1,0732021: $36,5012022: $02023: $020232024: $42,932$675,469

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

Named flood events with the most claims

Event (FEMA name)Claims
Hurricane Jeanne15
Hurricane Frances12
Hurricane Irma7
Tropical Storm Debby4
Flooding4
Hurricane Debby2
Low pressure system2
Mid-spring storms1

ZIP codes with the most claims

ZIP code (as reported)Claims
3261996
3269348
3200842
3264319
320382

168 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $2.0 million, contents $190,157, increased cost of compliance $0.

Flood insurance take-up

HomesWith NFIP policyShare
High-risk flood zone80814217.6%
All homes7,7071802.3%

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.