Flood Claims Map

Florida

Flood insurance claims in Walton County, Florida

FEMA records 3,174 National Flood Insurance Program claims in Walton County, Florida, since 1978, with $68.5 million paid in total. The year with the most claims was 1995, with 953. As of 3 August 2026, 20.4% of homes here had an NFIP policy, and 70.3% of homes in the high-risk flood zone did.

NFIP claims on record3,174
Total paid$68.5 million
Claims with a payment1,920
Homes with NFIP policy20.4%
High-risk zone homes insured70.3%
Residential policies in force8,647

Claims by year of loss

1978: 319781979: 21980: 11981: 01982: 019821983: 01984: 21985: 71986: 019861987: 01988: 01989: 51990: 919901991: 71992: 21993: 11994: 4319941995: 9531996: 61997: 41998: 31019981999: 52000: 42001: 142002: 1820022003: 82004: 6432005: 4432006: 320062007: 72008: 122009: 232010: 320102011: 12012: 92013: 322014: 27820142015: 222016: 82017: 112018: 5120182019: 22020: 1882021: 102022: 520222023: 72024: 92025: 3953

NFIP claims by year of loss, Walton County, Florida

1978: $4,39919781979: $2,9551980: $4251981: $01982: $019821983: $01984: $7611985: $4681986: $019861987: $01988: $01989: $31,3921990: $92,95419901991: $25,0521992: $6,6521993: $01994: $564,28919941995: $23.1 million1996: $6,1641997: $5,5471998: $2.0 million19981999: $02000: $02001: $02002: $43,06620022003: $23,6282004: $11.5 million2005: $15.7 million2006: $5,90020062007: $20,1512008: $94,9422009: $262,2342010: $23,87720102011: $02012: $29,8082013: $255,5772014: $8.7 million20142015: $63,6402016: $18,9192017: $47,4952018: $201,99120182019: $02020: $5.0 million2021: $429,4842022: $75,34620222023: $67,7662024: $229,5632025: $1,982$23.1 million

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

Named flood events with the most claims

Event (FEMA name)Claims
Hurricane Opal930
Hurricane Ivan616
Hurricane Dennis346
Mid-spring storms253
Hurricane Georges (Panhandle)221
Hurricane Sally177
Hurricane Michael41
Tropical Storm Alberto40

ZIP codes with the most claims

ZIP code (as reported)Claims
324591,214
32550954
32541341
32439335
3246173
3245546
3245435
3246231
3257827
3243326

1,304 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $60.7 million, contents $7.7 million, increased cost of compliance $94,392.

Flood insurance take-up

HomesWith NFIP policyShare
High-risk flood zone4,6083,24070.3%
All homes42,3688,64720.4%

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.