Flood insurance claims in Seminole County, Georgia

FEMA records 80 National Flood Insurance Program claims in Seminole County, Georgia, since 1978, with $1.7 million paid in total. The year with the most claims was 2002, with 20. As of 3 August 2026, 2.2% of homes here had an NFIP policy, and 9.8% of homes in the high-risk flood zone did.

NFIP claims on record80

Total paid$1.7 million

Claims with a payment71

Homes with NFIP policy2.2%

High-risk zone homes insured9.8%

Residential policies in force110

Claims by year of loss

NFIP claims by year of loss, Seminole County, Georgia

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

Named flood events with the most claims

Event (FEMA name)	Claims
Flooding	5
Hurricane Michael	2
Tropical Storm Alberto	2
Mid-spring storms	1
Hurricane Dennis	1

ZIP codes with the most claims

ZIP code (as reported)	Claims
39845	65
31745	12
39859	3

35 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $1.4 million, contents $299,169, increased cost of compliance $0.

Flood insurance take-up

	Homes	With NFIP policy	Share
High-risk flood zone	1,017	100	9.8%
All homes	4,960	110	2.2%

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

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.