Flood Claims Map

Florida

Flood insurance claims in Lake County, Florida

FEMA records 470 National Flood Insurance Program claims in Lake County, Florida, since 1979, with $7.3 million paid in total. The year with the most claims was 2017, with 108. As of 3 August 2026, 2.5% of homes here had an NFIP policy, and 23.7% of homes in the high-risk flood zone did.

NFIP claims on record470
Total paid$7.3 million
Claims with a payment263
Homes with NFIP policy2.5%
High-risk zone homes insured23.7%
Residential policies in force3,776

Claims by year of loss

1979: 219791980: 01981: 01982: 01983: 119831984: 11985: 01986: 01987: 119871988: 01989: 01990: 01991: 019911992: 31993: 41994: 11995: 619951996: 21997: 31998: 21999: 319992000: 12001: 122002: 32003: 320032004: 762005: 42006: 02007: 120072008: 202009: 102010: 52011: 120112012: 42013: 62014: 62015: 220152016: 92017: 1082018: 92019: 420192020: 42021: 02022: 572023: 320232024: 742025: 19108

NFIP claims by year of loss, Lake County, Florida

1979: $019791980: $01981: $01982: $01983: $019831984: $01985: $01986: $01987: $019871988: $01989: $01990: $01991: $019911992: $119,0081993: $30,2311994: $01995: $3,47819951996: $9541997: $2,4461998: $43,8221999: $3,52319992000: $02001: $21,4112002: $8,0452003: $13,31720032004: $593,4282005: $9,1242006: $02007: $020072008: $264,0572009: $10,2942010: $93,8482011: $020112012: $4,0382013: $93,8982014: $28,6812015: $5,03720152016: $23,7422017: $2.0 million2018: $61,1682019: $34,66920192020: $120,0832021: $02022: $862,6022023: $35,65920232024: $2.2 million2025: $619,490$2.2 million

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

Named flood events with the most claims

Event (FEMA name)Claims
Hurricane Irma99
Hurricane Milton71
Hurricane Ian45
Hurricane Jeanne45
Hurricane Frances24
Tropical Storm Fay18
Torrential rain9
Hurricane Nicole5

ZIP codes with the most claims

ZIP code (as reported)Claims
32102158
3471184
3474836
3277836
3473626
3275726
3272612
3272012
3273611
347889

328 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $6.6 million, contents $724,878, increased cost of compliance $45,000.

Flood insurance take-up

HomesWith NFIP policyShare
High-risk flood zone6,8621,62523.7%
All homes151,9463,7762.5%

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.