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Water Damage & Mold Remediation in Palm Beach Gardens, FL
Water in your home or signs of mold? Call to be connected with an independent, local restoration provider serving Palm Beach Gardens and Palm Beach County.
Call (000) 000-0000Updated November 6, 2026. Local figures from FEMA and NOAA data, with sources below.
Palm Beach Gardens water and flood risk by the numbers
| Flood insurance claims filed since 1978 | 326[1] |
|---|---|
| Total paid on those claims (nominal dollars) | $1.6 million[1] |
| Claims filed since 2015 | 28[1] |
| Average payout per paid claim | $9,576[1] |
| Share of claims from outside FEMA high-risk flood zones | 94.1%[1] |
| Palm Beach County homes in a FEMA high-risk flood zone | 8.2% (43,577 of 530,976)[2] |
| Palm Beach County homes with NFIP flood insurance | 13.0%[2] |
| Federal major disaster declarations covering Palm Beach County since 2000 | 15[3] |
| Average annual rainfall (West Palm Beach International Airport) | 61.8 inches[4] |
| Days per year with 0.1 inch or more of rain | 86[4] |
Want the full statewide table? See Florida flood claims by city.
What the data says for Palm Beach Gardens homeowners
The average paid flood claim in Palm Beach Gardens is $9,576, about 16% of the statewide average of $61,615[1]. 9% of Palm Beach Gardens's claims were filed in 2015 or later, versus 44.9% statewide.
Flood claims history
FEMA records show 326 National Flood Insurance Program claims filed in Palm Beach Gardens since 1978, with $1.6 million paid out[1]. The events behind the most claims were Hurricane Frances and Hurricane Jeanne.
Flood zones
Being outside a mapped flood zone is not protection in Palm Beach Gardens. 94.1% of local flood claims with a recorded zone came from properties outside FEMA's high-risk areas[1], compared with 12.1% statewide. Standard homeowners policies generally do not cover flood damage, so these owners needed a separate flood policy to be paid.
Flood insurance gap
Only 13.0% of homes in Palm Beach County carry NFIP flood insurance[2], and even inside the high-risk flood zone only 43.5% are insured[2]. Uninsured flood damage is paid out of pocket, which makes fast drying to limit the damage even more important.
Rain and humidity
Palm Beach Gardens averages 62 inches of rain a year, with 0.1 inch or more of rain on about 86 days and 23 inches falling in June through August alone[4]. Warm, wet conditions like these are why wet drywall, carpet pad and cabinets need to be dried quickly after any leak.
Disaster history
Palm Beach County has been included in 15 federal major disaster declarations since 2000[3], including Hurricane Milton (2024), Hurricane Nicole (2022), Hurricane Ian (2022), Hurricane Dorian (2019).
What to do right now
- Stay away from wet electrical equipment; if reaching the breaker means walking through water, call an electrician[7][8].
- Stop the source, then photograph everything and keep receipts[9].
- Start drying within 24 to 48 hours[10]. Full step-by-step guide.
Ready to talk to a provider? Call (000) 000-0000
Palm Beach Gardens flood claims in detail
Where in Palm Beach Gardens the claims are
ZIP code 33410 has the most flood insurance claims in Palm Beach Gardens's FEMA records: 174 claims and $1.1 million paid[1].
| ZIP code | Claims | Paid |
|---|---|---|
| 33410 | 174 | $1.1 million |
| 33418 | 137 | $557,482 |
| 33403 | 10 | $3,352 |
The storms behind Palm Beach Gardens's flood claims
| Event (FEMA label) | Claims | Paid |
|---|---|---|
| Hurricane Frances | 41 | $166,887 |
| Hurricane Jeanne | 41 | $318,871 |
| Hurricane Irene | 17 | $12,873 |
| Hurricane Wilma | 7 | $0 |
| Hurricane Irma | 5 | $0 |
| Tropical Storm Fay | 3 | $0 |
Hurricane Frances produced the most claims in Palm Beach Gardens[1]. 202 claims (62%) are not linked to a named storm or designated flood event in FEMA's records, a reminder that heavy rain and high tides cause flood damage too.
Worst years
The years with the most Palm Beach Gardens flood claims were 1999: 89 claims ($439,964); 2004: 83 claims ($485,758); 1995: 38 claims ($454,834); 1982: 22 claims ($19,950)[1].
Flood zone mix
Of 51 Palm Beach Gardens claims with a recorded flood zone: 94% in zone X/B/C (moderate to low risk), 6% in zone A (high risk)[1].
Palm Beach Gardens compared with nearby cities
| City | Claims (all years) | Since 2015 | Avg paid claim | Outside high-risk zone |
|---|---|---|---|---|
| Palm Beach Gardens | 326 | 28 | $9,576 | 94.1% |
| West Palm Beach | 504 | 39 | $13,744 | 55.7% |
| Wellington | 77 | 33 | $9,981 | 92.2% |
| Lake Worth | 1,082 | 93 | $12,233 | 55.1% |
| Boynton Beach | 606 | 46 | $7,006 | 42.2% |
| Delray Beach | 768 | 49 | $7,681 | 44.3% |
Source: FEMA NFIP claims[1].
Florida rules in brief
- Report a new claim within 1 year of the date of loss[11]. Most homeowners insurance does not cover flood[5]. Florida water damage claims explained.
- Mold remediation over 10 square feet requires a Florida license, issued to individuals; verify it with DBPR[12][13][14]. How mold remediation works.
- Costs: national guides put typical mold remediation at about $1,100 to $6,000 and water damage restoration at about $1,300 to $6,400[15][16][17][18]. Mold cost ยท Water damage cost.
Areas served
Calls from Palm Beach Gardens are connected with independent providers serving Palm Beach County. ZIP codes include: 33403, 33410, 33418[19].
Nearby: West Palm Beach, Wellington, Lake Worth, Boynton Beach, Delray Beach, Stuart.
Palm Beach Gardens water damage and mold questions
How many flood insurance claims have been filed in Palm Beach Gardens?
326 since 1978, 28 of them since 2015, with $1.6 million paid in nominal dollars[1]. The average paid flood claim in Palm Beach Gardens is $9,576, about 16% of the statewide average of $61,615[1]. 9% of Palm Beach Gardens's claims were filed in 2015 or later, versus 44.9% statewide.
Which Palm Beach Gardens ZIP code has the most flood claims?
33410, with 174 claims and $1.1 million paid, followed by 33418 with 137 claims[1].
Which storm caused the most flood claims in Palm Beach Gardens?
Hurricane Frances, with 41 claims in FEMA's records[1]. By dollars, the costliest was Hurricane Jeanne at $318,871.
Can a Palm Beach Gardens home flood outside a flood zone?
Yes. 8.2% of Palm Beach County homes are in a FEMA high-risk flood zone[2], but 94.1% of Palm Beach Gardens claims with a recorded zone came from outside high-risk areas[1]. Most homeowners insurance does not cover flood[5], and new NFIP policies usually have a 30-day wait[6].
How much rain does Palm Beach Gardens get?
About 62 inches a year at West Palm Beach International Airport, with 23 inches in June through August and about 86 days with 0.1 inch or more[4].
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
- U.S. Climate Normals 1991-2020, annual and seasonal. NOAA National Centers for Environmental Information. https://www.ncei.noaa.gov/products/land-based-station/us-climate-normals
- FloodSmart.gov home page. FEMA, National Flood Insurance Program (FloodSmart.gov). https://www.floodsmart.gov/ Accessed 6 Nov 2026.
- Buy a Flood Insurance Policy. FEMA, National Flood Insurance Program (FloodSmart.gov). https://www.floodsmart.gov/get-insured/buy-a-policy Accessed 6 Nov 2026.
- Hurricanes. Ready.gov (FEMA). https://www.ready.gov/hurricanes Accessed 6 Nov 2026.
- Safety Guidelines: Reentering Your Flooded Home. U.S. Centers for Disease Control and Prevention. https://www.cdc.gov/floods/safety/reentering-your-flooded-home-safety.html Accessed 6 Nov 2026.
- Section 627.7142, 2026 Florida Statutes. The Florida Senate (Florida Statutes). https://www.flsenate.gov/Laws/Statutes/2026/627.7142 Accessed 6 Nov 2026.
- A Brief Guide to Mold, Moisture and Your Home. U.S. Environmental Protection Agency. https://www.epa.gov/mold/brief-guide-mold-moisture-and-your-home Accessed 6 Nov 2026.
- Section 627.70132, 2026 Florida Statutes. The Florida Senate (Florida Statutes). https://www.flsenate.gov/Laws/Statutes/2026/627.70132 Accessed 6 Nov 2026.
- Section 468.8411, 2026 Florida Statutes. The Florida Senate (Florida Statutes). https://www.flsenate.gov/Laws/Statutes/2026/468.8411 Accessed 6 Nov 2026.
- Mold-Related Services: FAQs. Florida Department of Business and Professional Regulation. https://www2.myfloridalicense.com/mold-related-services/faqs/ Accessed 6 Nov 2026.
- Mold-Related Services. Florida Department of Business and Professional Regulation. https://www2.myfloridalicense.com/mold-related-services/ Accessed 6 Nov 2026.
- Mold removal cost. HomeGuide. https://homeguide.com/costs/mold-removal-cost Accessed 6 Nov 2026.
- Mold Remediation Cost Guide: What to Know + How Much You'll Pay. Bob Vila. https://www.bobvila.com/articles/mold-remediation-cost/ Accessed 6 Nov 2026.
- How Much Does Water Damage Restoration Cost?. HomeAdvisor. https://www.homeadvisor.com/cost/disaster-recovery/repair-water-damage/ Accessed 6 Nov 2026.
- How Much Does Water Damage Restoration Cost?. Bob Vila. https://www.bobvila.com/articles/water-damage-restoration-cost/ Accessed 6 Nov 2026.
- US postal codes. GeoNames (CC BY 4.0). https://download.geonames.org/export/zip/