Flood Claims Map

Florida

Flood insurance claims in Indian River County, Florida

FEMA records 3,349 National Flood Insurance Program claims in Indian River County, Florida, since 1978, with $67.0 million paid in total. The year with the most claims was 2004, with 2,226. As of 3 August 2026, 17.8% of homes here had an NFIP policy, and 51.7% of homes in the high-risk flood zone did.

NFIP claims on record3,349
Total paid$67.0 million
Claims with a payment1,761
Homes with NFIP policy17.8%
High-risk zone homes insured51.7%
Residential policies in force12,860

Claims by year of loss

1978: 319781979: 701980: 31981: 51982: 419821983: 31984: 391985: 21986: 019861987: 31988: 21989: 11990: 119901991: 141992: 51993: 211994: 4619941995: 301996: 121997: 61998: 319981999: 1392000: 72001: 102002: 4220022003: 32004: 2,2262005: 492006: 320062007: 142008: 1112009: 112010: 220102011: 722012: 162013: 62014: 420142015: 82016: 1062017: 1282018: 220182019: 52020: 112021: 02022: 1520222023: 102024: 712025: 52,226

NFIP claims by year of loss, Indian River County, Florida

1978: $13,94719781979: $33,5281980: $01981: $9,1481982: $2,30219821983: $7711984: $478,9061985: $7,6671986: $019861987: $2,3741988: $01989: $7801990: $5,52719901991: $160,8351992: $5,9881993: $85,1191994: $47,69219941995: $228,9731996: $252,3181997: $6,6281998: $114,00019981999: $740,4762000: $2702001: $57,9262002: $346,17920022003: $6,9642004: $51.8 million2005: $203,5792006: $020062007: $23,0322008: $360,9202009: $4932010: $020102011: $604,2502012: $79,5042013: $67,3322014: $020142015: $27,1572016: $2.7 million2017: $3.9 million2018: $020182019: $02020: $31,2212021: $02022: $352,45920222023: $35,4322024: $4.2 million2025: $63,744$51.8 million

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

Named flood events with the most claims

Event (FEMA name)Claims
Hurricane Frances1,211
Hurricane Jeanne957
Hurricane Irma116
Tropical Storm Fay106
Hurricane Irene92
Flooding76
Hurricane Milton68
Hurricane Matthew47

ZIP codes with the most claims

ZIP code (as reported)Claims
329631,375
32960922
32967284
32958248
32962203
32968140
32966120
3294821
3297019
329648

2,014 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $55.2 million, contents $10.9 million, increased cost of compliance $913,717.

Flood insurance take-up

HomesWith NFIP policyShare
High-risk flood zone9,6344,98551.7%
All homes72,12912,86017.8%

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.