Flood risk in Florida
FEMA NFIP historical claims and active policies aggregated by county. Pick a county to see total paid, average claim amount, and active policy count.
Counties with claims
66
of 68 reporting
Total NFIP claims
110,318
Total claims paid
$6,964,458,843
Active policies
150,742
Highest flood risk counties
Claims per 1,000 housing units. Higher means a larger share of homes have a documented claim on file.
- 1.Monroe County132.31 / 1k
- 2.Franklin County106.07 / 1k
- 3.Gulf County91.18 / 1k
- 4.Lee County64.56 / 1k
- 5.Charlotte County53.91 / 1k
- 6.Collier County41.30 / 1k
- 7.Pinellas County38.18 / 1k
- 8.St. Johns County32.20 / 1k
- 9.Citrus County30.15 / 1k
- 10.Taylor County28.94 / 1k
Lowest flood risk counties
Claims per 1,000 housing units, restricted to counties of at least 25,000 residents.
- 1.Gadsden County0.13 / 1k
- 2.Marion County0.46 / 1k
- 3.Sumter County0.61 / 1k
- 4.Leon County0.67 / 1k
- 5.Alachua County0.76 / 1k
- 6.Lake County1.05 / 1k
- 7.Jackson County1.13 / 1k
- 8.Highlands County1.45 / 1k
- 9.Orange County1.49 / 1k
- 10.Hendry County1.66 / 1k
Counties by historical claims
Sorted by total claims, highest first. Historical totals do not capture uninsured properties or future climate shifts.
- Lee County20,101 claims · very-high
- Pinellas County15,988 claims · high
- Collier County6,474 claims · high
- Hillsborough County6,451 claims · high
- Broward County5,773 claims · moderate
- Sarasota County4,996 claims · high
- Miami-Dade County4,969 claims · moderate
- Volusia County4,602 claims · high
- Charlotte County4,565 claims · very-high
- Monroe County4,550 claims · very-high
- Pasco County3,961 claims · high
- Manatee County3,796 claims · high
- St. Johns County3,286 claims · high
- Escambia County2,453 claims · high
- Citrus County2,037 claims · high
- Duval County1,906 claims · moderate
- Bay County1,755 claims · high
- Palm Beach County1,196 claims · moderate
- Santa Rosa County1,050 claims · high
- Flagler County939 claims · high
- Hernando County882 claims · high
- Brevard County872 claims · moderate
- Orange County731 claims · moderate
- Clay County617 claims · moderate
- Seminole County524 claims · moderate
- Polk County518 claims · moderate
- Gulf County515 claims · very-high
- Franklin County505 claims · very-high
- Okaloosa County438 claims · moderate
- Osceola County342 claims · moderate
- Walton County337 claims · high
- Levy County333 claims · high
- St. Lucie County264 claims · moderate
- Indian River County245 claims · moderate
- Putnam County239 claims · moderate
- Taylor County216 claims · high
- Wakulla County215 claims · high
- Nassau County211 claims · moderate
- Martin County201 claims · moderate
- Dixie County171 claims · high
- Lake County161 claims · moderate
- DeSoto County120 claims · moderate
- Alachua County83 claims · low
- Columbia County82 claims · moderate
- Leon County80 claims · low
- Bradford County77 claims · moderate
- Suwannee County75 claims · moderate
- Marion County72 claims · low
- Highlands County65 claims · moderate
- Sumter County39 claims · low
- Hardee County38 claims · moderate
- Okeechobee County38 claims · moderate
- Washington County26 claims · moderate
- Baker County26 claims · moderate
- Hendry County22 claims · moderate
- Jackson County19 claims · moderate
- Gilchrist County19 claims · moderate
- Holmes County13 claims · moderate
- Madison County8 claims · moderate
- Union County7 claims · moderate
- Lafayette County6 claims · moderate
- Calhoun County6 claims · moderate
- Hamilton County5 claims · moderate
- Glades County4 claims · low
- Gadsden County2 claims · low
- Liberty County1 claims · low
- County0 claims · low
- Jefferson County0 claims · low
How to read this
Historical claims show where NFIP-insured properties have actually filed. They under-count uninsured properties and don't forecast future risk from climate, upstream development, or new mitigation projects. For parcel-specific flood-zone designations, use FEMA's Map Service Center.
Data sources
Disclaimer. HomeRule is not a real estate agent, lender, appraiser, or financial advisor. This content is for educational and informational purposes only. Actual costs vary significantly by property, location, and individual circumstances. Consult qualified professionals for personalized advice.