Flood Claims Map

Florida

Flood insurance claims in Jefferson County, Florida

FEMA records 18 National Flood Insurance Program claims in Jefferson County, Florida, since 1984, with $87,982 paid in total. The most claims in one year was 2, reached in 5 different years. As of 3 August 2026, 1.2% of homes here had an NFIP policy, and 12.5% of homes in the high-risk flood zone did.

NFIP claims on record18
Total paid$87,982
Claims with a payment11
Homes with NFIP policy1.2%
High-risk zone homes insured12.5%
Residential policies in force75

Claims by year of loss

1984: 119841985: 21986: 01987: 019871988: 01989: 11990: 019901991: 11992: 01993: 119931994: 11995: 21996: 019961997: 01998: 11999: 019992000: 02001: 02002: 020022003: 02004: 22005: 020052006: 02007: 02008: 220082009: 02010: 22011: 020112012: 02013: 02014: 020142015: 02016: 12017: 020172018: 02019: 02020: 020202021: 02022: 12

NFIP claims by year of loss, Jefferson County, Florida

1984: $11,69619841985: $12,8641986: $01987: $019871988: $01989: $01990: $019901991: $11,3981992: $01993: $2,13819931994: $18,3811995: $23,1061996: $019961997: $01998: $1,2801999: $019992000: $02001: $02002: $020022003: $02004: $4,3502005: $020052006: $02007: $02008: $2,23820082009: $02010: $5322011: $020112012: $02013: $02014: $020142015: $02016: $02017: $020172018: $02019: $02020: $020202021: $02022: $0$23,106

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

Named flood events with the most claims

Event (FEMA name)Claims
Tropical Storm Fay2
Hurricane Kate1
Hurricane Elena1
Hurricane Ivan1
Blizzard of 19931
Hurricane Opal1
Hurricane Jeanne1

ZIP codes with the most claims

ZIP code (as reported)Claims
3234410
323365
323372
323451

15 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $77,701, contents $10,281, increased cost of compliance $0.

Flood insurance take-up

HomesWith NFIP policyShare
High-risk flood zone2973712.5%
All homes6,317751.2%

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.