FEMA NFIP Claim Records
Florida Flood Claims Checker
See how many federal flood insurance claims were actually paid in your county, what they paid out, and which flood zones took the losses. Useful context before you decide whether flood coverage is worth it — your homeowners policy does not cover flood.
All 67 Florida counties.
Claims by year
| Year | Claims | Payouts | Average payout |
|---|
Claims by flood zone
| Rated flood zone | Claims | Payouts |
|---|
Zone codes come straight from the claim record. A and V zones (AE, VE…) are FEMA-designated high-risk areas; X is outside the high-risk zone. Claims paid in X zones are worth noticing — flooding is not limited to the high-risk map.
Flood vs windstorm — they are not the same deductible
Storm damage can fall under different coverage depending on whether it was wind or water. Know which applies before you file.
Compare flood vs windstormImportant: These figures cover paid National Flood Insurance Program claims only. Flood losses that were uninsured, denied, or covered by a private policy are not included, so actual flooding in any county exceeds what is shown here. Past claim activity does not predict future flooding or what any individual property would be paid. ClaimPrepTools provides educational tools using publicly available data and does not provide legal, insurance, financial, adjusting or contracting advice. Verify important decisions with your insurer, agent, attorney or another qualified professional.