Flood insurance claims in Madison County, Florida

FEMA records 84 National Flood Insurance Program claims in Madison County, Florida, since 1984, with $1.5 million paid in total. The year with the most claims was 2009, with 25. As of 3 August 2026, 1.1% of homes here had an NFIP policy, and 11.2% of homes in the high-risk flood zone did.

NFIP claims on record84

Total paid$1.5 million

Claims with a payment68

Homes with NFIP policy1.1%

High-risk zone homes insured11.2%

Residential policies in force88

Claims by year of loss

NFIP claims by year of loss, Madison County, Florida

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

Named flood events with the most claims

Event (FEMA name)	Claims
Hurricane Debby	3
Hurricane Opal	1
Hurricane Charley	1
Hurricane Idalia	1
Hurricane Earl	1

ZIP codes with the most claims

ZIP code (as reported)	Claims
32340	31
32350	26
32059	25
32341	1

70 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $1.3 million, contents $202,620, increased cost of compliance $30,000.

Flood insurance take-up

	Homes	With NFIP policy	Share
High-risk flood zone	420	47	11.2%
All homes	7,670	88	1.1%

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

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.