Flood Claims Map

Florida

Flood insurance claims in Polk County, Florida

FEMA records 1,671 National Flood Insurance Program claims in Polk County, Florida, since 1978, with $45.8 million paid in total. The year with the most claims was 2004, with 418. As of 3 August 2026, 2.6% of homes here had an NFIP policy, and 36.8% of homes in the high-risk flood zone did.

NFIP claims on record1,671
Total paid$45.8 million
Claims with a payment1,083
Homes with NFIP policy2.6%
High-risk zone homes insured36.8%
Residential policies in force7,144

Claims by year of loss

1978: 119781979: 171980: 11981: 21982: 319821983: 11984: 21985: 11986: 119861987: 01988: 101989: 01990: 119901991: 111992: 11993: 21994: 1019941995: 261996: 21997: 201998: 5119981999: 62000: 42001: 82002: 3020022003: 152004: 4182005: 752006: 420062007: 22008: 102009: 72010: 920102011: 232012: 112013: 82014: 1020142015: 122016: 172017: 2522018: 120182019: 72020: 112021: 52022: 14620222023: 122024: 3962025: 52026: 42026418

NFIP claims by year of loss, Polk County, Florida

1978: $19,30219781979: $60,6291980: $01981: $2001982: $6,26519821983: $1,7171984: $2,0451985: $3,4471986: $019861987: $01988: $136,2421989: $01990: $019901991: $69,2261992: $7,1621993: $9,2841994: $86,14819941995: $110,5561996: $33,9481997: $42,7051998: $672,30519981999: $24,6822000: $5002001: $32,3752002: $438,13520022003: $97,0772004: $3.7 million2005: $1.9 million2006: $25,34520062007: $6,2962008: $160,3232009: $8,6012010: $4,81120102011: $425,4482012: $40,8082013: $32,7902014: $18,36120142015: $152,1552016: $52,6652017: $7.2 million2018: $38,68620182019: $28,8522020: $10,5572021: $6,1402022: $2.2 million20222023: $51,5412024: $27.8 million2025: $55,0382026: $55,5332026$27.8 million

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

Named flood events with the most claims

Event (FEMA name)Claims
Hurricane Milton378
Hurricane Irma242
Hurricane Jeanne227
Hurricane Ian134
Hurricane Frances109
Hurricane Charley59
Flooding35
Hurricane Wilma16

ZIP codes with the most claims

ZIP code (as reported)Claims
33810308
34759148
33809127
33844124
33898109
3388481
3381170
3388066
3380160
3381557

1,023 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $38.1 million, contents $7.8 million, increased cost of compliance $28,100.

Flood insurance take-up

HomesWith NFIP policyShare
High-risk flood zone10,7073,93536.8%
All homes272,5487,1442.6%

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.