Flood Claims Map

Florida

Flood insurance claims in St. Lucie County, Florida

FEMA records 3,988 National Flood Insurance Program claims in St. Lucie County, Florida, since 1978, with $84.7 million paid in total. The year with the most claims was 2004, with 2,440. As of 3 August 2026, 8.7% of homes here had an NFIP policy, and 44.0% of homes in the high-risk flood zone did.

NFIP claims on record3,988
Total paid$84.7 million
Claims with a payment2,653
Homes with NFIP policy8.7%
High-risk zone homes insured44.0%
Residential policies in force10,964

Claims by year of loss

1978: 119781979: 531980: 11981: 91982: 1619821983: 111984: 481985: 921986: 319861987: 171988: 01989: 11990: 219901991: 31992: 71993: 61994: 2319941995: 741996: 121997: 31998: 719981999: 1002000: 32001: 162002: 120022003: 12004: 2,4402005: 2052006: 320062007: 102008: 2712009: 72010: 420102011: 72012: 872013: 42014: 5520142015: 82016: 472017: 2342018: 620182019: 92020: 262021: 52022: 3020222023: 12024: 162025: 12026: 220262,440

NFIP claims by year of loss, St. Lucie County, Florida

1978: $2,35619781979: $103,1821980: $01981: $10,8011982: $6,94619821983: $3,2121984: $82,6521985: $822,4991986: $13,15119861987: $94,2631988: $01989: $5001990: $6,74619901991: $01992: $12,2141993: $3,7891994: $48,59319941995: $481,4051996: $29,0851997: $7,2471998: $2,36619981999: $425,8142000: $02001: $63,7092002: $51520022003: $16,8912004: $60.5 million2005: $1.1 million2006: $020062007: $11,2432008: $6.3 million2009: $333,6932010: $020102011: $7,4622012: $1.2 million2013: $4042014: $631,69920142015: $6,1102016: $214,4672017: $11.0 million2018: $23,11220182019: $1,5422020: $204,8472021: $6,4242022: $564,44920222023: $02024: $401,6052025: $02026: $9,6992026$60.5 million

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

Named flood events with the most claims

Event (FEMA name)Claims
Hurricane Jeanne1,316
Hurricane Frances1,029
Tropical Storm Fay260
Hurricane Irma211
Hurricane Wilma171
Hurricane Irene84
Hurricane Isaac75
Hurricane Ivan71

ZIP codes with the most claims

ZIP code (as reported)Claims
349491,186
349571,161
34982370
34952227
34981207
34946142
34983122
34986103
34947102
3495390

2,964 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $70.2 million, contents $14.2 million, increased cost of compliance $289,797.

Flood insurance take-up

HomesWith NFIP policyShare
High-risk flood zone6,1442,70244.0%
All homes126,05610,9648.7%

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.