Flood Claims Map

Florida

Flood insurance claims in Washington County, Florida

FEMA records 184 National Flood Insurance Program claims in Washington County, Florida, since 1978, with $4.6 million paid in total. The year with the most claims was 1994, with 57. As of 3 August 2026, 1.0% of homes here had an NFIP policy, and 8.8% of homes in the high-risk flood zone did.

NFIP claims on record184
Total paid$4.6 million
Claims with a payment157
Homes with NFIP policy1.0%
High-risk zone homes insured8.8%
Residential policies in force117

Claims by year of loss

1978: 419781979: 01980: 01981: 01982: 019821983: 01984: 01985: 01986: 019861987: 01988: 01989: 01990: 919901991: 21992: 01993: 01994: 5719941995: 01996: 01997: 01998: 5019981999: 02000: 02001: 02002: 420022003: 02004: 12005: 22006: 020062007: 02008: 02009: 62010: 020102011: 02012: 12013: 82014: 120142015: 02016: 12017: 02018: 420182019: 72020: 162021: 102022: 1202257

NFIP claims by year of loss, Washington County, Florida

1978: $23,41419781979: $01980: $01981: $01982: $019821983: $01984: $01985: $01986: $019861987: $01988: $01989: $01990: $90,71419901991: $8,6641992: $01993: $01994: $1.2 million19941995: $01996: $01997: $01998: $439,73219981999: $02000: $02001: $02002: $33,58120022003: $02004: $7042005: $40,4512006: $020062007: $02008: $02009: $37,7042010: $020102011: $02012: $02013: $29,9562014: $7,35320142015: $02016: $10,9122017: $02018: $171,90120182019: $261,9502020: $683,0082021: $1.3 million2022: $288,7472022$1.3 million

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

Named flood events with the most claims

Event (FEMA name)Claims
Tropical Storm Alberto51
Hurricane Sally14
Hurricane Georges (Panhandle)12
Flooding8
Hurricane Michael4
Tropical Storm Fred2

ZIP codes with the most claims

ZIP code (as reported)Claims
3242786
3242846
3246235
324379
324254
324663
324631

143 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $3.8 million, contents $780,478, increased cost of compliance $30,000.

Flood insurance take-up

HomesWith NFIP policyShare
High-risk flood zone832738.8%
All homes11,9021171.0%

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.