Flood Claims Map

Florida

Flood insurance claims in Lafayette County, Florida

FEMA records 207 National Flood Insurance Program claims in Lafayette County, Florida, since 1983, with $2.5 million paid in total. The year with the most claims was 1998, with 49. As of 3 August 2026, 4.0% of homes here had an NFIP policy, and 16.9% of homes in the high-risk flood zone did.

NFIP claims on record207
Total paid$2.5 million
Claims with a payment162
Homes with NFIP policy4.0%
High-risk zone homes insured16.9%
Residential policies in force146

Claims by year of loss

1983: 119831984: 221985: 01986: 311987: 319871988: 11989: 01990: 01991: 2119911992: 11993: 21994: 21995: 119951996: 01997: 01998: 491999: 019992000: 12001: 02002: 02003: 820032004: 112005: 122006: 02007: 020072008: 02009: 322010: 02011: 020112012: 02013: 02014: 62015: 020152016: 12017: 02018: 02019: 020192020: 02021: 02022: 02023: 120232024: 149

NFIP claims by year of loss, Lafayette County, Florida

1983: $42819831984: $180,7711985: $01986: $209,9271987: $019871988: $01989: $01990: $01991: $266,15619911992: $1,6371993: $2,1371994: $2,8911995: $1,70619951996: $01997: $01998: $424,2161999: $019992000: $02001: $02002: $02003: $7,09220032004: $257,7262005: $327,4462006: $02007: $020072008: $02009: $563,0622010: $02011: $020112012: $02013: $02014: $216,3302015: $020152016: $3,8602017: $02018: $02019: $020192020: $02021: $02022: $02023: $020232024: $18,052$563,062

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

Named flood events with the most claims

Event (FEMA name)Claims
Flooding4
Hurricane Jeanne4
Mid-spring storms3
Hurricane Debby1
Hurricane Hermine1
Hurricane Idalia1
Hurricane Ivan1

ZIP codes with the most claims

ZIP code (as reported)Claims
32066124
3200875
320133
339041

149 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $2.1 million, contents $334,260, increased cost of compliance $0.

Flood insurance take-up

HomesWith NFIP policyShare
High-risk flood zone82313916.9%
All homes3,6591464.0%

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

  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.