Flood Claims Map

Florida

Flood insurance claims in Gulf County, Florida

FEMA records 1,717 National Flood Insurance Program claims in Gulf County, Florida, since 1978, with $94.7 million paid in total. The year with the most claims was 2018, with 971. As of 3 August 2026, 19.4% of homes here had an NFIP policy, and 38.8% of homes in the high-risk flood zone did.

NFIP claims on record1,717
Total paid$94.7 million
Claims with a payment1,527
Homes with NFIP policy19.4%
High-risk zone homes insured38.8%
Residential policies in force1,610

Claims by year of loss

1978: 119781979: 21980: 01981: 01982: 019821983: 11984: 01985: 951986: 019861987: 01988: 11989: 11990: 719901991: 11992: 01993: 91994: 3619941995: 2531996: 21997: 21998: 11119981999: 32000: 12001: 42002: 320022003: 22004: 142005: 1422006: 020062007: 02008: 42009: 72010: 020102011: 02012: 02013: 02014: 020142015: 52016: 62017: 32018: 97120182019: 12020: 152021: 32022: 020222023: 12024: 10971

NFIP claims by year of loss, Gulf County, Florida

1978: $2,45019781979: $4151980: $01981: $01982: $019821983: $01984: $01985: $1.1 million1986: $019861987: $01988: $1,4451989: $01990: $57,08319901991: $2,2441992: $01993: $146,5011994: $495,07119941995: $4.8 million1996: $37,5841997: $5,0171998: $1.4 million19981999: $7,2242000: $02001: $30,8212002: $29,13320022003: $02004: $963,1152005: $2.0 million2006: $020062007: $02008: $367,1172009: $101,0282010: $020102011: $02012: $02013: $02014: $020142015: $106,3032016: $14,2752017: $62,5212018: $82.5 million20182019: $02020: $74,2292021: $33,3512022: $020222023: $50,1182024: $265,285$82.5 million

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

Named flood events with the most claims

Event (FEMA name)Claims
Hurricane Michael954
Hurricane Opal248
Hurricane Dennis110
Hurricane Kate86
Tropical Storm Alberto27
Hurricane Ivan13
Hurricane Sally10
Hurricane Georges (Panhandle)9

ZIP codes with the most claims

ZIP code (as reported)Claims
324561,538
32465141
3241022
324573
324261
323811
331741
334561
324491
323401

1,269 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $78.3 million, contents $15.6 million, increased cost of compliance $846,977.

Flood insurance take-up

HomesWith NFIP policyShare
High-risk flood zone3,4031,31938.8%
All homes8,3191,61019.4%

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.