Flood Claims Map

Florida

Flood insurance claims in Seminole County, Florida

FEMA records 1,562 National Flood Insurance Program claims in Seminole County, Florida, since 1978, with $54.0 million paid in total. The year with the most claims was 2022, with 615. As of 3 August 2026, 4.0% of homes here had an NFIP policy, and 47.1% of homes in the high-risk flood zone did.

NFIP claims on record1,562
Total paid$54.0 million
Claims with a payment1,025
Homes with NFIP policy4.0%
High-risk zone homes insured47.1%
Residential policies in force6,283

Claims by year of loss

1978: 319781979: 71980: 41981: 41982: 419821983: 51984: 21985: 11986: 319861987: 01988: 21989: 11990: 019901991: 71992: 211993: 21994: 5119941995: 181996: 81997: 61998: 1319981999: 112000: 02001: 92002: 1120022003: 132004: 1232005: 102006: 420062007: 22008: 2102009: 72010: 420102011: 112012: 72013: 22014: 920142015: 102016: 112017: 2132018: 620182019: 42020: 62021: 92022: 61520222023: 42024: 792025: 82026: 22026615

NFIP claims by year of loss, Seminole County, Florida

1978: $019781979: $19,7271980: $10,0041981: $2,0001982: $6,59319821983: $01984: $5331985: $4391986: $2,69819861987: $01988: $8651989: $01990: $019901991: $26,0031992: $64,1291993: $1,2981994: $148,97719941995: $102,9461996: $3,5461997: $52,7061998: $83,38219981999: $24,1922000: $02001: $20,6012002: $51,08920022003: $114,3962004: $761,4992005: $67,9722006: $15,95320062007: $8,8752008: $3.6 million2009: $10,5712010: $9,59420102011: $9,8902012: $25,6782013: $02014: $11,73320142015: $8,3652016: $24,3752017: $5.5 million2018: $55,31120182019: $02020: $02021: $107,7952022: $41.1 million20222023: $254,9112024: $1.7 million2025: $63,1092026: $02026$41.1 million

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

Named flood events with the most claims

Event (FEMA name)Claims
Hurricane Ian584
Hurricane Irma200
Tropical Storm Fay197
Hurricane Milton65
Hurricane Frances52
Hurricane Jeanne39
Hurricane Charley26
Hurricane Nicole14

ZIP codes with the most claims

ZIP code (as reported)Claims
32732285
32771230
32765216
32708137
32714112
3270194
3277388
3270779
3277967
3276658

923 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $45.3 million, contents $8.6 million, increased cost of compliance $133,768.

Flood insurance take-up

HomesWith NFIP policyShare
High-risk flood zone4,3242,03747.1%
All homes155,4786,2834.0%

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.