Flood Claims Map

Florida

Flood insurance claims in Santa Rosa County, Florida

FEMA records 10,439 National Flood Insurance Program claims in Santa Rosa County, Florida, since 1978, with $527.5 million paid in total. The year with the most claims was 2004, with 4,274. As of 3 August 2026, 14.1% of homes here had an NFIP policy, and 66.9% of homes in the high-risk flood zone did.

NFIP claims on record10,439
Total paid$527.5 million
Claims with a payment8,383
Homes with NFIP policy14.1%
High-risk zone homes insured66.9%
Residential policies in force9,799

Claims by year of loss

1978: 2719781979: 2611980: 21981: 11982: 219821983: 121984: 31985: 161986: 219861987: 11988: 251989: 181990: 4519901991: 61992: 21993: 21994: 1919941995: 1,7611996: 101997: 41998: 56919981999: 02000: 22001: 32002: 4420022003: 62004: 4,2742005: 1,2322006: 320062007: 322008: 112009: 242010: 320102011: 22012: 622013: 222014: 47520142015: 62016: 52017: 522018: 1620182019: 22020: 1,3222021: 142022: 1020222023: 142024: 112025: 32026: 120264,274

NFIP claims by year of loss, Santa Rosa County, Florida

1978: $121,55319781979: $1.1 million1980: $01981: $01982: $54319821983: $31,4501984: $20,5651985: $10,4481986: $019861987: $01988: $228,0081989: $214,5211990: $611,68819901991: $1231992: $5,2701993: $7,9681994: $248,58519941995: $36.9 million1996: $6,7861997: $01998: $3.1 million19981999: $02000: $3,7512001: $02002: $222,09720022003: $02004: $406.7 million2005: $22.2 million2006: $49,80820062007: $225,1942008: $42,3432009: $304,4662010: $2,72920102011: $5472012: $1.2 million2013: $187,1252014: $18.5 million20142015: $67,9682016: $37,0572017: $665,0492018: $98,59720182019: $02020: $33.8 million2021: $222,6582022: $168,87220222023: $54,2932024: $223,6002025: $15,6722026: $02026$406.7 million

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

Named flood events with the most claims

Event (FEMA name)Claims
Hurricane Ivan4,104
Hurricane Opal1,626
Hurricane Sally1,293
Hurricane Dennis851
Hurricane Georges (Panhandle)501
Mid-spring storms446
Flooding140
Hurricane Frances113

ZIP codes with the most claims

ZIP code (as reported)Claims
325633,408
325663,398
325831,828
325611,045
32570367
32571280
3256938
3256216
3253010
325726

8,058 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $405.3 million, contents $114.5 million, increased cost of compliance $7.8 million.

Flood insurance take-up

HomesWith NFIP policyShare
High-risk flood zone5,5943,74466.9%
All homes69,7259,79914.1%

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.