Flood Claims Map

Florida

Flood insurance claims in Hillsborough County, Florida

FEMA records 18,556 National Flood Insurance Program claims in Hillsborough County, Florida, since 1978, with $1.18 billion paid in total. The year with the most claims was 2024, with 10,269. As of 3 August 2026, 12.1% of homes here had an NFIP policy, and 61.4% of homes in the high-risk flood zone did.

NFIP claims on record18,556
Total paid$1.18 billion
Claims with a payment14,444
Homes with NFIP policy12.1%
High-risk zone homes insured61.4%
Residential policies in force54,179

Claims by year of loss

1978: 719781979: 3161980: 101981: 351982: 40219821983: 431984: 81985: 1,2681986: 819861987: 491988: 4221989: 221990: 819901991: 321992: 221993: 4261994: 3619941995: 771996: 7261997: 3611998: 17919981999: 152000: 912001: 1412002: 8820022003: 752004: 8212005: 262006: 6820062007: 212008: 292009: 662010: 3120102011: 712012: 2222013: 332014: 6620142015: 6752016: 982017: 3572018: 4320182019: 482020: 2002021: 672022: 11220222023: 3242024: 10,2692025: 312026: 11202610,269

NFIP claims by year of loss, Hillsborough County, Florida

1978: $37,10919781979: $725,2771980: $2,3161981: $34,5221982: $1.3 million19821983: $17,7001984: $4,1311985: $12.8 million1986: $5,32519861987: $42,3071988: $1.7 million1989: $53,2181990: $019901991: $30,7271992: $26,9121993: $3.7 million1994: $132,91119941995: $278,9501996: $11.4 million1997: $1.8 million1998: $523,95519981999: $33,4302000: $404,1042001: $1.2 million2002: $750,60720022003: $547,6142004: $12.3 million2005: $141,7452006: $795,68420062007: $124,0412008: $112,3072009: $389,8442010: $40,91520102011: $388,1162012: $1.6 million2013: $142,7402014: $802,65320142015: $12.7 million2016: $605,1102017: $6.0 million2018: $219,59120182019: $137,7342020: $7.2 million2021: $542,5622022: $429,41020222023: $21.0 million2024: $1.08 billion2025: $480,6482026: $42,0102026$1.08 billion

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

Named flood events with the most claims

Event (FEMA name)Claims
Hurricane Helene7,418
Hurricane Milton2,625
Hurricane Elena1,243
Flooding785
Hurricane Josephine696
Hurricane Frances594
Blizzard of 1993416
Hurricane Irma300

ZIP codes with the most claims

ZIP code (as reported)Claims
336152,691
336292,620
336111,856
336061,496
335701,172
336091,003
33572981
33634657
33616630
33619398

15,942 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $1.02 billion, contents $161.8 million, increased cost of compliance $1.2 million.

Flood insurance take-up

HomesWith NFIP policyShare
High-risk flood zone56,82834,86761.4%
All homes448,18654,17912.1%

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.