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Florida flood insurance claims by city
An original analysis of all 448,618 Florida records in FEMA's National Flood Insurance Program claims data, for 66 cities.
Published November 6, 2026. Data downloaded from FEMA OpenFEMA on 6 November 2026.
Key findings
- $19.32 billion has been paid on 448,618 National Flood Insurance Program claims in Florida since 1978[1].
- 69.9% of all those dollars went to losses in just three years, 2022 through 2024[1]. Losses since 2015 account for 80.1% of dollars paid and 44.9% of claims.
- Hurricane Helene is the costliest flood event in Florida's NFIP history by this measure: 54,676 claims and $6.48 billion paid, ahead of Hurricane Ian (47,556 claims, $4.86 billion)[1].
- The busiest years for claims were 2024 (80,446), 2022 (50,324), 2004 (34,726)[1].
- Statewide, 12.1% of claims with a recorded flood zone came from outside FEMA high-risk areas, but in some cities it is the large majority: Palm Beach Gardens 94.1%; Wellington 92.2%; Port St. Lucie 82.6%; Pembroke Pines 76.4%; Lakeland 75.9%[1].
Flood insurance claims by Florida city
Sorted by total paid. City figures use FEMA's flood insurance community for incorporated cities; for unincorporated areas (Brandon, Lake Worth, Merritt Island, Palm Harbor, Port Charlotte) they use ZIP codes with that mailing address.
| City | County | Claims since 1978 | Claims since 2015 | Total paid | Average paid claim | Outside high-risk zone | Top events |
|---|---|---|---|---|---|---|---|
| St. Petersburg | Pinellas | 16,193 | 10,422 | $1.26 billion | $91,857 | 2.1% | Hurricane Helene, Hurricane Elena, Hurricane Josephine |
| Tampa | Hillsborough | 8,894 | 5,601 | $587.4 million | $83,123 | 11.9% | Hurricane Helene, Hurricane Elena, Hurricane Milton |
| Naples | Collier | 4,599 | 4,214 | $584.9 million | $164,023 | 0.9% | Hurricane Ian, Hurricane Milton, Hurricane Irma |
| Cape Coral | Lee | 7,173 | 6,399 | $454.3 million | $103,608 | 4.2% | Hurricane Ian, Hurricane Charley, Hurricane Irma |
| Bonita Springs | Lee | 2,868 | 2,809 | $289.8 million | $124,489 | 5.5% | Hurricane Ian, Hurricane Irma, Hurricane Milton |
| Clearwater | Pinellas | 2,960 | 1,612 | $231.3 million | $99,715 | 5.1% | Hurricane Helene, Blizzard of 1993, Hurricane Elena |
| Fort Lauderdale | Broward | 5,622 | 3,296 | $209.0 million | $53,652 | 10.9% | April Florida Flooding, Hurricane Eta, Hurricane Irene |
| Jacksonville | Duval | 5,067 | 2,792 | $196.1 million | $50,742 | 33.8% | Hurricane Irma, Tropical Storm Fay, Hurricane Matthew |
| Sarasota | Sarasota | 2,111 | 1,281 | $154.4 million | $99,903 | 6.0% | Hurricane Helene, Hurricane Milton, The 'No-Name Storm' |
| Daytona Beach | Volusia | 2,179 | 1,607 | $126.5 million | $75,079 | 27.1% | Hurricane Ian, Hurricane Milton, Hurricane Irma |
| Miami | Miami-Dade | 6,791 | 1,039 | $119.5 million | $27,633 | 10.5% | Hurricane Irene, Hurricane Andrew, Hurricane Irma |
| St. Augustine | St. Johns | 2,728 | 2,495 | $104.9 million | $44,958 | 1.0% | Hurricane Matthew, Hurricane Irma, Hurricane Ian |
| Port Charlotte | Charlotte | 2,693 | 2,062 | $81.3 million | $60,564 | 5.2% | Hurricane Ian, Hurricane Helene, Hurricane Milton |
| Largo | Pinellas | 784 | 556 | $78.7 million | $121,991 | 19.4% | Hurricane Helene, Hurricane Milton, Hurricane Hermine |
| Palm Harbor | Pinellas | 1,526 | 868 | $77.3 million | $62,578 | 8.4% | Hurricane Helene, Blizzard of 1993, Hurricane Milton |
| Fort Myers | Lee | 1,025 | 788 | $67.0 million | $94,299 | 14.0% | Hurricane Ian, Hurricane Milton, Hurricane Irma |
| Hollywood | Broward | 4,132 | 1,330 | $61.8 million | $24,994 | 9.6% | April Florida Flooding, Hurricane Irene, Hurricane Irma |
| Marco Island | Collier | 1,815 | 1,729 | $47.0 million | $45,600 | 0.2% | Hurricane Ian, Hurricane Irma, Hurricane Milton |
| Miami Beach | Miami-Dade | 2,692 | 770 | $46.1 million | $34,497 | 1.8% | Hurricane Irma, Hurricane Irene, Hurricane Andrew |
| Coral Gables | Miami-Dade | 1,189 | 314 | $34.8 million | $43,606 | 5.4% | Hurricane Andrew, Hurricane Irma, Hurricane Irene |
| Fort Pierce | St. Lucie | 1,178 | 97 | $33.2 million | $41,182 | 21.2% | Hurricane Frances, Hurricane Jeanne, Hurricane Irma |
| Vero Beach | Indian River | 1,193 | 88 | $32.5 million | $46,114 | 22.8% | Hurricane Frances, Hurricane Jeanne, Hurricane Irene |
| Bradenton | Manatee | 863 | 374 | $31.0 million | $47,122 | 8.9% | Hurricane Helene, Hurricane Jeanne, Torrential rain |
| Hialeah | Miami-Dade | 2,953 | 291 | $26.1 million | $14,651 | 8.1% | Hurricane Irene, Hurricane Wilma, Hurricane Andrew |
| Orlando | Orange | 526 | 297 | $17.7 million | $56,779 | 33.3% | Hurricane Ian, Hurricane Irma, Hurricane Milton |
| North Port | Sarasota | 372 | 298 | $16.5 million | $71,909 | 57.3% | Hurricane Ian, Hurricane Irma, Hurricane Jeanne |
| Ormond Beach | Volusia | 828 | 340 | $15.8 million | $27,436 | 54.2% | Hurricane Milton, Hurricane Ian, Hurricane Frances |
| Kissimmee | Osceola | 319 | 238 | $15.5 million | $66,243 | 24.8% | Hurricane Ian, Hurricane Irma, Hurricane Charley |
| Boca Raton | Palm Beach | 753 | 201 | $11.2 million | $40,385 | 47.2% | Hurricane Irene, Hurricane Wilma, Hurricane Irma |
| Merritt Island | Brevard | 795 | 302 | $10.7 million | $28,065 | 53.6% | Tropical Storm Fay, Hurricane Irma, Hurricane Irene |
| Homestead | Miami-Dade | 861 | 110 | $9.7 million | $21,041 | 30.1% | Hurricane Katrina, Hurricane Irene, Hurricane Andrew |
| Melbourne | Brevard | 635 | 137 | $9.3 million | $21,843 | 71.8% | Tropical Storm Fay, Hurricane Irma, Hurricane Jeanne |
| Oviedo | Seminole | 113 | 78 | $7.6 million | $92,107 | 50.7% | Hurricane Ian, Tropical Storm Fay, Hurricane Irma |
| Tallahassee | Leon | 612 | 55 | $7.4 million | $16,113 | 42.9% | Tropical Storm Allison, Tropical Storm Fay, Tropical Storm Barry |
| Brandon | Hillsborough | 285 | 107 | $7.3 million | $39,079 | 38.7% | Hurricane Milton, Hurricane Elena, The 'No-Name Storm' |
| Lake Worth | Palm Beach | 1,082 | 93 | $6.7 million | $12,233 | 55.1% | Hurricane Irene, Hurricane Frances, Hurricane Wilma |
| Davie | Broward | 1,367 | 281 | $6.3 million | $10,618 | 32.4% | Hurricane Irene, Hurricane Wilma, Hurricane Eta |
| Lakeland | Polk | 131 | 84 | $6.3 million | $73,690 | 75.9% | Hurricane Milton, Hurricane Jeanne, Hurricane Irma |
| Altamonte Springs | Seminole | 152 | 99 | $5.9 million | $53,806 | 14.3% | Hurricane Ian, Hurricane Irma, Hurricane Milton |
| Pompano Beach | Broward | 1,144 | 190 | $5.7 million | $14,734 | 22.1% | Hurricane Wilma, Hurricane Irene, Hurricane Irma |
| Pembroke Pines | Broward | 1,738 | 217 | $4.9 million | $8,228 | 76.4% | Hurricane Irene, Hurricane Wilma, Hurricane Eta |
| Plantation | Broward | 1,456 | 222 | $4.3 million | $7,870 | 50.8% | Hurricane Irene, Hurricane Wilma, Hurricane Eta |
| North Miami Beach | Miami-Dade | 489 | 93 | $4.0 million | $17,482 | 15.3% | Hurricane Irene, Hurricane Irma, June South Florida Flooding |
| Palm Bay | Brevard | 369 | 74 | $3.9 million | $25,649 | 50.5% | Tropical Storm Fay, Hurricane Jeanne, Hurricane Frances |
| West Palm Beach | Palm Beach | 504 | 39 | $3.9 million | $13,744 | 55.7% | Hurricane Frances, Hurricane Irene, Hurricane Jeanne |
| Deerfield Beach | Broward | 373 | 94 | $3.8 million | $27,849 | 34.8% | Hurricane Wilma, Hurricane Irene, Hurricane Irma |
| Miramar | Broward | 1,790 | 198 | $3.7 million | $5,645 | 44.7% | Hurricane Irene, Hurricane Wilma, Hurricane Irma |
| Winter Park | Orange | 99 | 54 | $3.4 million | $60,269 | 73.5% | Hurricane Ian, Hurricane Milton, Hurricane Jeanne |
| Jupiter | Palm Beach | 496 | 31 | $3.3 million | $14,370 | 45.8% | Hurricane Jeanne, Hurricane Frances, Hurricane Irene |
| Coral Springs | Broward | 1,535 | 136 | $2.9 million | $5,031 | 75.2% | Hurricane Irene, Hurricane Wilma, Hurricane Isaac |
| Sanford | Seminole | 142 | 72 | $2.6 million | $30,055 | 57.6% | Hurricane Ian, Tropical Storm Fay, Hurricane Milton |
| Miami Gardens | Miami-Dade | 395 | 280 | $2.6 million | $18,187 | 4.4% | Hurricane Irma, Hurricane Eta, Hurricane Irene |
| Delray Beach | Palm Beach | 768 | 49 | $2.6 million | $7,681 | 44.3% | Hurricane Irene, Hurricane Wilma, Hurricane Frances |
| Titusville | Brevard | 120 | 79 | $2.3 million | $39,720 | 72.5% | Hurricane Irma, Hurricane Frances, Hurricane Ian |
| Port St. Lucie | St. Lucie | 509 | 76 | $2.0 million | $10,522 | 82.6% | Hurricane Frances, Tropical Storm Fay, Hurricane Jeanne |
| Cocoa | Brevard | 90 | 31 | $1.9 million | $29,947 | 71.9% | Hurricane Wilma, Tropical Storm Fay, Hurricane Irma |
| Boynton Beach | Palm Beach | 606 | 46 | $1.8 million | $7,006 | 42.2% | Hurricane Irene, Hurricane Frances, Hurricane Wilma |
| Stuart | Martin | 160 | 19 | $1.8 million | $20,881 | n/a | Hurricane Jeanne, Hurricane Frances, Hurricane Irene |
| Gainesville | Alachua | 94 | 44 | $1.7 million | $30,019 | 34.8% | Hurricane Irma, Hurricane Frances, Hurricane Elsa |
| Palm Beach Gardens | Palm Beach | 326 | 28 | $1.6 million | $9,576 | 94.1% | Hurricane Frances, Hurricane Jeanne, Hurricane Irene |
| DeLand | Volusia | 24 | 11 | $1.2 million | n/a | n/a | Hurricane Milton, Tropical Storm Fay, Hurricane Ian |
| Ocala | Marion | 51 | 17 | $1.2 million | $33,065 | n/a | Hurricane Irma, Tropical Storm Debby, Hurricane Jeanne |
| Palm Coast | Flagler | 175 | 134 | $1.1 million | $22,685 | 75.6% | Hurricane Matthew, Hurricane Irma, Hurricane Ian |
| Wellington | Palm Beach | 77 | 33 | $249,517 | $9,981 | 92.2% | Hurricane Isaac, Hurricane Frances, Hurricane Irma |
| Clermont | Lake | 18 | 11 | $140,378 | n/a | n/a | Hurricane Milton, Hurricane Irma, Hurricane Jeanne |
| Apopka | Orange | 7 | 3 | $42,146 | n/a | n/a | Hurricane Irma, Tropical Storm Fay, Hurricane Frances |
Costliest flood events in Florida
| Event (FEMA label) | Claims | Paid |
|---|---|---|
| Hurricane Helene | 54,676 | $6.48 billion |
| Hurricane Ian | 47,556 | $4.86 billion |
| Hurricane Irma | 28,756 | $979.4 million |
| Hurricane Milton | 21,663 | $1.21 billion |
| Hurricane Irene | 21,192 | $117.9 million |
| Hurricane Wilma | 16,557 | $356.5 million |
| Hurricane Ivan | 12,934 | $950.9 million |
| Hurricane Opal | 11,998 | $388.9 million |
Claims by year of loss
| Year | Claims | Paid |
|---|---|---|
| 2026 | 205 | $1.3 million |
| 2025 | 721 | $23.5 million |
| 2024 | 80,446 | $7.89 billion |
| 2023 | 10,300 | $662.0 million |
| 2022 | 50,324 | $4.94 billion |
| 2021 | 933 | $17.7 million |
| 2020 | 9,992 | $318.6 million |
| 2019 | 1,193 | $27.8 million |
| 2018 | 5,100 | $242.0 million |
| 2017 | 31,430 | $1.03 billion |
| 2016 | 8,838 | $289.5 million |
| 2015 | 1,993 | $27.1 million |
Recent years are still being processed and will rise as claims close.
Methodology
- Source: FEMA OpenFEMA "FIMA NFIP Redacted Claims" dataset, all 448,618 Florida records, downloaded 6 November 2026[1]. County flood-zone and insurance figures come from FEMA's NFIP Residential Penetration Rates[2]; disaster counts come from FEMA Disaster Declarations Summaries[3].
- Total paid = building plus contents payments, in nominal dollars (not adjusted for inflation). Average paid claim counts only claims with a payment above zero and is shown only where there are at least 25 paid claims.
- Outside high-risk zone = share of claims whose current FEMA flood zone does not start with A or V, among claims with a recorded zone. Shown only where at least 30 claims have a recorded zone.
- Events use FEMA's own event labels, so a few older storms appear under FEMA names (for example "Blizzard of 1993" is the March 1993 "Storm of the Century").
- NFIP claims only cover insured flood losses. Uninsured flood damage and damage from leaks, pipes and appliances (covered, if at all, by homeowners insurance) are not included, so real water damage is higher than these figures.
- Counties with inconsistent flood-zone counts in FEMA's penetration data (Collier, Flagler, Pinellas, St. Johns) are shown without the high-risk zone share.
You may quote and republish these figures with a link to this page.
Sources
Every figure on this page links to its source. Statutes are from the 2026 Florida Statutes. FEMA and NOAA figures were downloaded on 6 November 2026.
- FIMA NFIP Redacted Claims dataset, Florida records (analysis by RestoreNow USA). FEMA OpenFEMA. https://www.fema.gov/openfema-data-page/fima-nfip-redacted-claims-v2 Downloaded 6 Nov 2026. Dollar amounts are nominal (not adjusted for inflation).
- NFIP Residential Penetration Rates. FEMA OpenFEMA. https://www.fema.gov/openfema-data-page/nfip-residential-penetration-rates-v1 Data as of 2026-08-03.
- Disaster Declarations Summaries. FEMA OpenFEMA. https://www.fema.gov/openfema-data-page/disaster-declarations-summaries-v2