Flood Claims Map

Florida

Flood insurance claims in Hardee County, Florida

FEMA records 129 National Flood Insurance Program claims in Hardee County, Florida, since 1979, with $6.1 million paid in total. The year with the most claims was 2022, with 54. As of 3 August 2026, 1.3% of homes here had an NFIP policy, and 14.9% of homes in the high-risk flood zone did.

NFIP claims on record129
Total paid$6.1 million
Claims with a payment107
Homes with NFIP policy1.3%
High-risk zone homes insured14.9%
Residential policies in force118

Claims by year of loss

1979: 119791980: 01981: 01982: 11983: 019831984: 01985: 31986: 01987: 019871988: 01989: 01990: 01991: 019911992: 01993: 21994: 11995: 119951996: 01997: 41998: 81999: 119992000: 12001: 92002: 02003: 420032004: 112005: 02006: 02007: 020072008: 02009: 12010: 12011: 020112012: 12013: 02014: 02015: 120152016: 02017: 232018: 02019: 020192020: 02021: 02022: 542023: 020232024: 154

NFIP claims by year of loss, Hardee County, Florida

1979: $019791980: $01981: $01982: $4,0361983: $019831984: $01985: $19,1961986: $01987: $019871988: $01989: $01990: $01991: $019911992: $01993: $200,0001994: $53,5001995: $5,42019951996: $01997: $19,7631998: $35,1221999: $2,34919992000: $3,3432001: $153,5332002: $02003: $70,71420032004: $82,2562005: $02006: $02007: $020072008: $02009: $13,7702010: $02011: $020112012: $02013: $02014: $02015: $13,41120152016: $02017: $1.1 million2018: $02019: $020192020: $02021: $02022: $4.3 million2023: $020232024: $4,928$4.3 million

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

Named flood events with the most claims

Event (FEMA name)Claims
Hurricane Ian53
Hurricane Irma23
Hurricane Frances7
Torrential rain6
Hurricane Elena2
Hurricane Jeanne2
Blizzard of 19932
Hurricane Gordon1

ZIP codes with the most claims

ZIP code (as reported)Claims
3387366
3389044
3386515
338344

71 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $5.0 million, contents $1.1 million, increased cost of compliance $0.

Flood insurance take-up

HomesWith NFIP policyShare
High-risk flood zone4847214.9%
All homes9,2031181.3%

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.