Flood insurance claims in Okeechobee County, Florida

FEMA records 295 National Flood Insurance Program claims in Okeechobee County, Florida, since 1979, with $1.9 million paid in total. The year with the most claims was 2004, with 112. As of 3 August 2026, 6.4% of homes here had an NFIP policy, and 21.9% of homes in the high-risk flood zone did.

NFIP claims on record295

Total paid$1.9 million

Claims with a payment161

Homes with NFIP policy6.4%

High-risk zone homes insured21.9%

Residential policies in force1,244

Claims by year of loss

NFIP claims by year of loss, Okeechobee County, Florida

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

Named flood events with the most claims

Event (FEMA name)	Claims
Hurricane Wilma	58
Hurricane Frances	53
Hurricane Jeanne	51
Tropical Storm Fay	38
Hurricane Isaac	33
Hurricane Irma	14
Hurricane Ivan	6
Hurricane Milton	2

ZIP codes with the most claims

ZIP code (as reported)	Claims
34972	165
34974	130

216 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $1.6 million, contents $356,435, increased cost of compliance $0.

Flood insurance take-up

	Homes	With NFIP policy	Share
High-risk flood zone	4,529	993	21.9%
All homes	19,315	1,244	6.4%

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.