Flood insurance claims in Hamilton County, Florida

FEMA records 116 National Flood Insurance Program claims in Hamilton County, Florida, since 1983, with $1.6 million paid in total. The most claims in one year was 21, in 1984 and 1998. As of 3 August 2026, 1.0% of homes here had an NFIP policy, and 14.3% of homes in the high-risk flood zone did.

NFIP claims on record116

Total paid$1.6 million

Claims with a payment99

Homes with NFIP policy1.0%

High-risk zone homes insured14.3%

Residential policies in force52

Claims by year of loss

NFIP claims by year of loss, Hamilton County, Florida

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

Named flood events with the most claims

Event (FEMA name)	Claims
Tropical Storm Debby	4
Hurricane Jeanne	2
Blizzard of 1993	1
Hurricane Earl	1
Hurricane Frances	1
Hurricane Elena	1

ZIP codes with the most claims

ZIP code (as reported)	Claims
32052	86
32096	16
32053	9
32050	1

71 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $1.4 million, contents $211,325, increased cost of compliance $30,000.

Flood insurance take-up

	Homes	With NFIP policy	Share
High-risk flood zone	294	42	14.3%
All homes	5,243	52	1.0%

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

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.