Flood Claims Map

Florida

Flood insurance claims in Monroe County, Florida

FEMA records 27,430 National Flood Insurance Program claims in Monroe County, Florida, since 1978, with $714.0 million paid in total. The year with the most claims was 2005, with 9,186. As of 3 August 2026, 58.2% of homes here had an NFIP policy, and 61.3% of homes in the high-risk flood zone did.

NFIP claims on record27,430
Total paid$714.0 million
Claims with a payment18,723
Homes with NFIP policy58.2%
High-risk zone homes insured61.3%
Residential policies in force22,181

Claims by year of loss

1978: 419781979: 161980: 2901981: 181982: 2119821983: 401984: 21985: 431986: 519861987: 41988: 111989: 11990: 419901991: 31992: 1801993: 391994: 18819941995: 201996: 161997: 101998: 7,25819981999: 8552000: 232001: 342002: 520022003: 52004: 252005: 9,1862006: 2220062007: 72008: 442009: 72010: 1720102011: 412012: 182013: 142014: 1320142015: 82016: 32017: 8,1902018: 820182019: 72020: 772021: 32022: 57020222023: 302024: 222025: 152026: 820269,186

NFIP claims by year of loss, Monroe County, Florida

1978: $1,17219781979: $2,4861980: $441,0301981: $10,8741982: $11,40819821983: $47,0351984: $4,1401985: $74,2581986: $16,22119861987: $1,4601988: $36,7591989: $01990: $9,40419901991: $01992: $84,5091993: $34,3891994: $1.2 million19941995: $85,5591996: $78,4571997: $23,9101998: $43.5 million19981999: $4.8 million2000: $63,2132001: $183,5072002: $1,74020022003: $5,6072004: $66,3982005: $337.0 million2006: $153,65320062007: $24,1972008: $395,3972009: $74,0092010: $121,88620102011: $325,9802012: $55,8252013: $239,4022014: $224,45920142015: $48,7352016: $8,9502017: $293.4 million2018: $30,00020182019: $4,0252020: $1.2 million2021: $22,5742022: $28.6 million20222023: $706,7092024: $210,3072025: $439,9122026: $02026$337.0 million

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

Named flood events with the most claims

Event (FEMA name)Claims
Hurricane Wilma8,363
Hurricane Irma8,002
Hurricane Georges (Keys)6,753
Hurricane Irene774
Hurricane Ian560
Hurricane Georges (Panhandle)315
Flooding310
Hurricane Andrew159

ZIP codes with the most claims

ZIP code (as reported)Claims
330408,240
330505,281
330425,019
330432,678
330372,539
330361,506
33051918
33070834
33001267
3304464

26,919 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $603.2 million, contents $105.8 million, increased cost of compliance $5.1 million.

Flood insurance take-up

HomesWith NFIP policyShare
High-risk flood zone34,03320,85561.3%
All homes38,08022,18158.2%

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.