Water Damage & Mold Remediation in Stuart, FL
Water in your home or signs of mold? Call to be connected with an independent, local restoration provider serving Stuart and Martin County.
Call (000) 000-0000Updated November 6, 2026. Local figures from FEMA and NOAA data, with sources below.
Stuart water and flood risk by the numbers
| Flood insurance claims filed since 1979 | 160[1] |
|---|---|
| Total paid on those claims (nominal dollars) | $1.8 million[1] |
| Claims filed since 2015 | 19[1] |
| Average payout per paid claim | $20,881[1] |
| Martin County homes in a FEMA high-risk flood zone | 5.8% (3,905 of 67,665)[2] |
| Martin County homes with NFIP flood insurance | 14.1%[2] |
| Federal major disaster declarations covering Martin County since 2000 | 15[3] |
| Average annual rainfall (Vero Beach International Airport) | 53.2 inches[4] |
| Days per year with 0.1 inch or more of rain | 76[4] |
Want the full statewide table? See Florida flood claims by city.
What the data says for Stuart homeowners
The average paid flood claim in Stuart is $20,881, about 34% of the statewide average of $61,615[1]. 12% of Stuart's claims were filed in 2015 or later, versus 44.9% statewide.
Flood claims history
FEMA records show 160 National Flood Insurance Program claims filed in Stuart since 1979, with $1.8 million paid out[1]. The events behind the most claims were Hurricane Jeanne and Hurricane Frances.
Flood insurance gap
Only 14.1% of homes in Martin County carry NFIP flood insurance[2]. Inside the high-risk flood zone, 77.8% 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
Stuart averages 53 inches of rain a year, with 0.1 inch or more of rain on about 76 days and 20 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
Martin 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[5][6].
- Stop the source, then photograph everything and keep receipts[7].
- Start drying within 24 to 48 hours[8]. Full step-by-step guide.
Ready to talk to a provider? Call (000) 000-0000
Stuart flood claims in detail
Where in Stuart the claims are
ZIP code 34994 has the most flood insurance claims in Stuart's FEMA records: 91 claims and $1.2 million paid[1].
| ZIP code | Claims | Paid |
|---|---|---|
| 34994 | 91 | $1.2 million |
| 34996 | 40 | $264,176 |
| 34997 | 19 | $324,305 |
| 34995 | 1 | $0 |
The storms behind Stuart's flood claims
| Event (FEMA label) | Claims | Paid |
|---|---|---|
| Hurricane Jeanne | 32 | $331,938 |
| Hurricane Frances | 27 | $540,474 |
| Hurricane Irene | 6 | $4,288 |
| Tropical Storm Fay | 4 | $16,320 |
| Hurricane Wilma | 4 | $14,549 |
| Hurricane Irma | 3 | $123,446 |
Hurricane Jeanne produced the most claims in Stuart[1]. 75 claims (47%) 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 Stuart flood claims were 2004: 63 claims ($880,037); 2001: 20 claims ($160,264); 1995: 15 claims ($255,304); 2005: 8 claims ($14,549)[1].
Stuart compared with nearby cities
| City | Claims (all years) | Since 2015 | Avg paid claim | Outside high-risk zone |
|---|---|---|---|---|
| Stuart | 160 | 19 | $20,881 | n/a |
| Port St. Lucie | 509 | 76 | $10,522 | 82.6% |
| Fort Pierce | 1,178 | 97 | $41,182 | 21.2% |
| Jupiter | 496 | 31 | $14,370 | 45.8% |
| Palm Beach Gardens | 326 | 28 | $9,576 | 94.1% |
| West Palm Beach | 504 | 39 | $13,744 | 55.7% |
Source: FEMA NFIP claims[1].
Florida rules in brief
- Report a new claim within 1 year of the date of loss[9]. Most homeowners insurance does not cover flood[10]. Florida water damage claims explained.
- Mold remediation over 10 square feet requires a Florida license, issued to individuals; verify it with DBPR[11][12][13]. 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[14][15][16][17]. Mold cost ยท Water damage cost.
Areas served
Calls from Stuart are connected with independent providers serving Martin County. ZIP codes include: 34994, 34995, 34996, 34997[18].
Nearby: Port St. Lucie, Fort Pierce, Jupiter, Palm Beach Gardens, West Palm Beach, Vero Beach.
Stuart water damage and mold questions
How many flood insurance claims have been filed in Stuart?
160 since 1979, 19 of them since 2015, with $1.8 million paid in nominal dollars[1]. The average paid flood claim in Stuart is $20,881, about 34% of the statewide average of $61,615[1]. 12% of Stuart's claims were filed in 2015 or later, versus 44.9% statewide.
Which Stuart ZIP code has the most flood claims?
34994, with 91 claims and $1.2 million paid, followed by 34996 with 40 claims[1].
Which storm caused the most flood claims in Stuart?
Hurricane Jeanne, with 32 claims in FEMA's records[1]. By dollars, the costliest was Hurricane Frances at $540,474.
How much rain does Stuart get?
About 53 inches a year at Vero Beach International Airport, with 20 inches in June through August and about 76 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
- 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.
- FloodSmart.gov home page. FEMA, National Flood Insurance Program (FloodSmart.gov). https://www.floodsmart.gov/ 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/