Flood Claims Map

Florida

Flood insurance claims in Sumter County, Florida

FEMA records 123 National Flood Insurance Program claims in Sumter County, Florida, since 1978, with $1.5 million paid in total. The year with the most claims was 2024, with 36. As of 3 August 2026, 4.1% of homes here had an NFIP policy, and 38.6% of homes in the high-risk flood zone did.

NFIP claims on record123
Total paid$1.5 million
Claims with a payment78
Homes with NFIP policy4.1%
High-risk zone homes insured38.6%
Residential policies in force2,912

Claims by year of loss

1978: 219781979: 31980: 01981: 01982: 019821983: 01984: 01985: 01986: 019861987: 11988: 01989: 01990: 019901991: 01992: 01993: 01994: 019941995: 41996: 11997: 21998: 1019981999: 02000: 02001: 12002: 120022003: 72004: 202005: 12006: 120062007: 02008: 12009: 02010: 120102011: 12012: 22013: 02014: 020142015: 22016: 02017: 182018: 120182019: 42020: 02021: 12022: 120222023: 12024: 3636

NFIP claims by year of loss, Sumter County, Florida

1978: $019781979: $1,5991980: $01981: $01982: $019821983: $01984: $01985: $01986: $019861987: $791988: $01989: $01990: $019901991: $01992: $01993: $01994: $019941995: $23,2361996: $7501997: $39,1371998: $66,00219981999: $02000: $02001: $8,8722002: $6,98320022003: $104,4212004: $87,9082005: $175,0002006: $7,04320062007: $02008: $02009: $02010: $19,99820102011: $33,3192012: $5862013: $02014: $020142015: $02016: $02017: $113,1672018: $020182019: $8,0462020: $02021: $02022: $020222023: $02024: $757,876$757,876

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

Named flood events with the most claims

Event (FEMA name)Claims
Hurricane Milton35
Hurricane Irma17
Hurricane Jeanne14
Flooding5
Hurricane Frances5
Tropical Storm Debby2
Hurricane Ivan1
Hurricane Opal1

ZIP codes with the most claims

ZIP code (as reported)Claims
3359729
3351329
3353821
3478519
335148
321627
321634
321594
335852

62 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $1.2 million, contents $219,582, increased cost of compliance $0.

Flood insurance take-up

HomesWith NFIP policyShare
High-risk flood zone2,48095838.6%
All homes70,2792,9124.1%

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.