Flood Claims Map

Florida

Flood insurance claims in Palm Beach County, Florida

FEMA records 10,758 National Flood Insurance Program claims in Palm Beach County, Florida, since 1978, with $72.3 million paid in total. The year with the most claims was 2004, with 1,926. As of 3 August 2026, 13.0% of homes here had an NFIP policy, and 43.4% of homes in the high-risk flood zone did.

NFIP claims on record10,758
Total paid$72.3 million
Claims with a payment4,689
Homes with NFIP policy13.0%
High-risk zone homes insured43.4%
Residential policies in force69,154

Claims by year of loss

1978: 13019781979: 7261980: 281981: 1131982: 58919821983: 951984: 1741985: 191986: 1019861987: 291988: 201989: 231990: 419901991: 1421992: 1041993: 551994: 22219941995: 6061996: 281997: 301998: 31319981999: 1,5002000: 1602001: 1152002: 5320022003: 412004: 1,9262005: 8142006: 12420062007: 552008: 1282009: 982010: 4120102011: 892012: 4232013: 1152014: 36920142015: 722016: 1162017: 5162018: 5420182019: 632020: 1312021: 492022: 6320222023: 232024: 512025: 992026: 1020261,926

NFIP claims by year of loss, Palm Beach County, Florida

1978: $262,35519781979: $784,4031980: $17,6891981: $90,4971982: $866,99619821983: $53,3901984: $190,1231985: $12,2161986: $10,64219861987: $42,0221988: $23,6381989: $25,5251990: $71019901991: $1.4 million1992: $311,4271993: $202,4361994: $736,03719941995: $6.2 million1996: $7,8021997: $8,3001998: $2.3 million19981999: $8.6 million2000: $1.3 million2001: $727,0642002: $51,27820022003: $58,1312004: $16.5 million2005: $1.4 million2006: $1.8 million20062007: $180,3442008: $247,6132009: $267,8582010: $168,39020102011: $893,1612012: $2.8 million2013: $1.0 million2014: $5.1 million20142015: $450,1432016: $1.4 million2017: $4.6 million2018: $255,36920182019: $1.1 million2020: $1.0 million2021: $130,2882022: $979,32620222023: $47,8242024: $534,7192025: $6.9 million2026: $68,0972026$16.5 million

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

Named flood events with the most claims

Event (FEMA name)Claims
Hurricane Frances1,203
Hurricane Irene1,194
Flooding1,182
Hurricane Wilma710
Hurricane Jeanne616
Hurricane Irma423
Hurricane Isaac256
Tropical Storm Fay77

ZIP codes with the most claims

ZIP code (as reported)Claims
334801,354
33428559
33433503
33435450
33410401
33445395
33462386
33483380
33458378
33404351

5,213 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $58.6 million, contents $13.7 million, increased cost of compliance $75,000.

Flood insurance take-up

HomesWith NFIP policyShare
High-risk flood zone43,57718,93343.4%
All homes530,97669,15413.0%

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.