Flood Claims Map

Florida

Flood insurance claims in Putnam County, Florida

FEMA records 621 National Flood Insurance Program claims in Putnam County, Florida, since 1979, with $10.7 million paid in total. The year with the most claims was 2017, with 188. As of 3 August 2026, 2.6% of homes here had an NFIP policy, and 19.9% of homes in the high-risk flood zone did.

NFIP claims on record621
Total paid$10.7 million
Claims with a payment452
Homes with NFIP policy2.6%
High-risk zone homes insured19.9%
Residential policies in force1,038

Claims by year of loss

1979: 119791980: 11981: 01982: 11983: 019831984: 01985: 01986: 01987: 019871988: 01989: 01990: 01991: 119911992: 21993: 01994: 61995: 319951996: 01997: 21998: 31999: 619992000: 22001: 602002: 02003: 120032004: 862005: 62006: 02007: 120072008: 112009: 72010: 12011: 120112012: 22013: 02014: 02015: 320152016: 1152017: 1882018: 42019: 320192020: 42021: 02022: 612023: 020232024: 372025: 2188

NFIP claims by year of loss, Putnam County, Florida

1979: $3,99819791980: $01981: $01982: $01983: $019831984: $01985: $01986: $01987: $019871988: $01989: $01990: $01991: $1,58619911992: $5,5131993: $01994: $20,2961995: $48,44919951996: $01997: $2811998: $1,3381999: $38,81019992000: $5,0862001: $677,2582002: $02003: $020032004: $775,0652005: $133,3062006: $02007: $020072008: $84,6062009: $31,0022010: $02011: $020112012: $1,3162013: $02014: $02015: $020152016: $2.5 million2017: $4.3 million2018: $5,0192019: $020192020: $02021: $02022: $1.4 million2023: $020232024: $709,4672025: $19,082$4.3 million

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

Named flood events with the most claims

Event (FEMA name)Claims
Hurricane Irma172
Hurricane Matthew115
Hurricane Jeanne58
Torrential rain51
Hurricane Ian47
Hurricane Milton32
Hurricane Frances27
Hurricane Nicole12

ZIP codes with the most claims

ZIP code (as reported)Claims
32193129
32189118
3217790
3213190
3211261
3213939
3218738
3214817
3204313
326405

524 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $9.1 million, contents $1.5 million, increased cost of compliance $149,270.

Flood insurance take-up

HomesWith NFIP policyShare
High-risk flood zone4,24784719.9%
All homes39,3201,0382.6%

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.