Flood Claims Map

Florida

Flood insurance claims in Wakulla County, Florida

FEMA records 1,554 National Flood Insurance Program claims in Wakulla County, Florida, since 1984, with $34.4 million paid in total. The year with the most claims was 2005, with 477. As of 3 August 2026, 8.2% of homes here had an NFIP policy, and 29.8% of homes in the high-risk flood zone did.

NFIP claims on record1,554
Total paid$34.4 million
Claims with a payment1,267
Homes with NFIP policy8.2%
High-risk zone homes insured29.8%
Residential policies in force1,131

Claims by year of loss

1984: 119841985: 2431986: 01987: 01988: 019881989: 11990: 01991: 51992: 119921993: 121994: 481995: 1311996: 119961997: 01998: 2151999: 02000: 1120002001: 32002: 12003: 22004: 420042005: 4772006: 22007: 02008: 1420082009: 82010: 02011: 02012: 5420122013: 22014: 02015: 12016: 5020162017: 12018: 2362019: 12020: 020202021: 02022: 02023: 02024: 2820242025: 02026: 1477

NFIP claims by year of loss, Wakulla County, Florida

1984: $019841985: $1.5 million1986: $01987: $01988: $019881989: $01990: $01991: $28,2511992: $019921993: $53,2061994: $218,5281995: $899,0741996: $019961997: $01998: $2.5 million1999: $02000: $69,52820002001: $1,7212002: $8,6072003: $2,6812004: $12,28820042005: $16.0 million2006: $02007: $02008: $179,19820082009: $126,3842010: $02011: $02012: $2.0 million20122013: $12,6812014: $02015: $69,8972016: $1.5 million20162017: $02018: $8.3 million2019: $02020: $020202021: $02022: $02023: $02024: $885,24120242025: $02026: $0$16.0 million

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

Named flood events with the most claims

Event (FEMA name)Claims
Hurricane Dennis452
Hurricane Michael229
Hurricane Kate139
Hurricane Elena98
Hurricane Opal94
Hurricane Earl93
Tropical Storm Debby51
Hurricane Hermine50

ZIP codes with the most claims

ZIP code (as reported)Claims
32327754
32346481
32355206
3235882
323268
323015
323253
323053
335771
322371

1,507 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $27.7 million, contents $5.6 million, increased cost of compliance $1.1 million.

Flood insurance take-up

HomesWith NFIP policyShare
High-risk flood zone3,29198229.8%
All homes13,7211,1318.2%

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.