Flood Claims Map

Florida

Flood insurance claims in Nassau County, Florida

FEMA records 845 National Flood Insurance Program claims in Nassau County, Florida, since 1978, with $12.7 million paid in total. The year with the most claims was 2017, with 178. As of 3 August 2026, 16.1% of homes here had an NFIP policy, and 60.7% of homes in the high-risk flood zone did.

NFIP claims on record845
Total paid$12.7 million
Claims with a payment525
Homes with NFIP policy16.1%
High-risk zone homes insured60.7%
Residential policies in force6,287

Claims by year of loss

1978: 419781979: 171980: 31981: 01982: 219821983: 01984: 201985: 131986: 119861987: 01988: 11989: 41990: 019901991: 71992: 901993: 11994: 619941995: 541996: 251997: 21998: 419981999: 922000: 52001: 32002: 520022003: 32004: 222005: 32006: 120062007: 32008: 372009: 32010: 120102011: 52012: 442013: 22014: 220142015: 12016: 1012017: 1782018: 020182019: 02020: 52021: 72022: 1720222023: 42024: 442025: 3178

NFIP claims by year of loss, Nassau County, Florida

1978: $5,65219781979: $38,9321980: $6921981: $01982: $019821983: $01984: $4,6971985: $31,5321986: $019861987: $01988: $2,0551989: $4,8731990: $019901991: $24,9591992: $512,5971993: $01994: $99519941995: $325,2571996: $155,7881997: $7321998: $31,49019981999: $936,3902000: $10,5782001: $02002: $5,01520022003: $8,2192004: $142,8042005: $02006: $020062007: $6,2232008: $795,1332009: $02010: $020102011: $6,0502012: $603,7682013: $02014: $1,86120142015: $02016: $1.5 million2017: $5.3 million2018: $020182019: $02020: $40,2522021: $19,2252022: $259,09420222023: $1,9462024: $1.9 million2025: $6,386$5.3 million

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

Named flood events with the most claims

Event (FEMA name)Claims
Hurricane Irma172
Hurricane Matthew99
Flooding86
Hurricane Floyd78
Tropical Storm Debby39
Tropical Storm Fay35
Hurricane Francine26
Hurricane Josephine15

ZIP codes with the most claims

ZIP code (as reported)Claims
32034643
32011133
3209732
3204618
3200914
322341
320351

439 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $10.7 million, contents $2.0 million, increased cost of compliance $60,000.

Flood insurance take-up

HomesWith NFIP policyShare
High-risk flood zone3,3172,01360.7%
All homes39,0056,28716.1%

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

  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.