Flood Claims Map

States

Flood insurance claims in Florida by county

FEMA records 447,174 NFIP claims in Florida's counties, with $19.36 billion paid. As of 3 August 2026, 1,040,464 NFIP residential policies were in force, equal to 13.7% of the state's residential structures.

Miami-Dade County62,029$855.8 million33.4%
Pinellas County51,779$3.76 billion19.4%
Lee County48,496$3.96 billion24.2%
Broward County35,049$457.9 million19.2%
Monroe County27,430$714.0 million58.2%
Hillsborough County18,556$1.18 billion12.1%
Escambia County16,499$731.9 million8.3%
Collier County14,773$1.13 billion29.5%
Pasco County14,544$692.7 million10.3%
Sarasota County14,415$856.6 million17.9%
Volusia County12,577$582.1 million11.1%
Charlotte County11,697$475.5 million32.0%
Manatee County11,389$650.6 million17.3%
Palm Beach County10,758$72.3 million13.0%
Santa Rosa County10,439$527.5 million14.1%
Bay County9,005$337.5 million17.9%
Okaloosa County8,226$283.1 million10.2%
St. Johns County7,639$252.4 million23.2%
Citrus County7,076$384.9 million7.0%
Duval County6,064$214.7 million6.3%
Brevard County5,690$69.1 million11.8%
St. Lucie County3,988$84.7 million8.7%
Indian River County3,349$67.0 million17.8%
Hernando County3,245$138.4 million4.8%
Walton County3,174$68.5 million20.4%
Franklin County2,866$46.6 million25.1%
Martin County2,631$40.0 million14.1%
Orange County2,271$73.1 million3.3%
Flagler County2,153$78.4 million15.2%
Clay County1,744$76.3 million5.1%
Gulf County1,717$94.7 million19.4%
Polk County1,671$45.8 million2.6%
Seminole County1,562$54.0 million4.0%
Wakulla County1,554$34.4 million8.2%
Levy County1,316$55.3 million4.3%
Osceola County1,032$25.0 million6.0%
Leon County1,015$11.9 million2.7%
Dixie County916$21.4 million5.8%
Nassau County845$12.7 million16.1%
Taylor County693$37.4 million6.9%
Putnam County621$10.7 million2.6%
Lake County470$7.3 million2.5%
DeSoto County453$17.1 million3.2%
Suwannee County364$8.4 million2.1%
Columbia County338$7.5 million2.3%
Alachua County309$8.8 million2.5%
Okeechobee County295$1.9 million6.4%
Marion County250$6.0 million2.0%
Gilchrist County212$2.2 million2.3%
Lafayette County207$2.5 million4.0%
Highlands County202$2.6 million1.9%
Bradford County184$4.2 million4.0%
Washington County184$4.6 million1.0%
Holmes County165$2.8 million1.1%
Calhoun County142$2.1 million1.2%
Hendry County132$741,7004.4%
Hardee County129$6.1 million1.3%
Sumter County123$1.5 million4.1%
Hamilton County116$1.6 million1.0%
Baker County95$2.9 million1.5%
Madison County84$1.5 million1.1%
Jackson County72$877,3430.6%
Glades County56$393,8262.6%
Gadsden County41$328,3460.4%
Union County31$499,7911.4%
Jefferson County18$87,9821.2%
Liberty County9$131,6330.4%
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.