Flood Claims Map

Florida

Flood insurance claims in Pasco County, Florida

FEMA records 14,544 National Flood Insurance Program claims in Pasco County, Florida, since 1978, with $692.7 million paid in total. The year with the most claims was 2024, with 4,922. As of 3 August 2026, 10.3% of homes here had an NFIP policy, and 46.9% of homes in the high-risk flood zone did.

NFIP claims on record14,544
Total paid$692.7 million
Claims with a payment11,907
Homes with NFIP policy10.3%
High-risk zone homes insured46.9%
Residential policies in force23,604

Claims by year of loss

1978: 1419781979: 451980: 81981: 201982: 7719821983: 431984: 81985: 4061986: 2219861987: 321988: 1701989: 41990: 419901991: 201992: 611993: 3,0481994: 1119941995: 2391996: 1,0001997: 981998: 20219981999: 3522000: 382001: 672002: 2820022003: 742004: 6202005: 182006: 1120062007: 102008: 392009: 262010: 5120102011: 342012: 7352013: 242014: 2520142015: 3002016: 4652017: 2162018: 1720182019: 202020: 262021: 222022: 3020222023: 8182024: 4,9222025: 162026: 820264,922

NFIP claims by year of loss, Pasco County, Florida

1978: $3,82719781979: $113,3491980: $6121981: $12,3221982: $112,02519821983: $36,9821984: $8,0981985: $1.8 million1986: $38,08219861987: $98,9971988: $519,0701989: $6,7001990: $2,19519901991: $29,0411992: $71,9131993: $72.8 million1994: $24,40019941995: $2.6 million1996: $11.7 million1997: $377,7611998: $805,54019981999: $3.4 million2000: $29,2692001: $68,5832002: $298,92820022003: $984,7172004: $5.2 million2005: $92,9642006: $40,13820062007: $64,1002008: $384,0132009: $305,8092010: $232,87120102011: $80,5012012: $12.3 million2013: $56,7552014: $29,86420142015: $5.4 million2016: $11.5 million2017: $3.5 million2018: $170,78820182019: $105,1182020: $69,9172021: $152,1242022: $243,02220222023: $53.4 million2024: $503.3 million2025: $02026: $43,6242026$503.3 million

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

Named flood events with the most claims

Event (FEMA name)Claims
Hurricane Helene4,261
Blizzard of 19932,969
Hurricane Josephine964
Hurricane Idalia788
Tropical Storm Debby684
Hurricane Milton579
Hurricane Hermine428
Hurricane Elena391

ZIP codes with the most claims

ZIP code (as reported)Claims
346674,689
346523,749
346682,305
34691969
34655528
34653492
34690219
33552193
34654182
33568167

13,416 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $599.9 million, contents $92.2 million, increased cost of compliance $550,215.

Flood insurance take-up

HomesWith NFIP policyShare
High-risk flood zone35,60416,70946.9%
All homes229,19623,60410.3%

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.