Flood insurance in Florida
Flood insurance policies, average premiums, flood zones and claims history for Florida, county by county, from official FEMA records.
Flood claims paid per year
NFIP claims paid in Florida, 2000–2026
The three costliest years. The worst was 2024, with $7.9 billion paid on 80,446 claims.
Insured buildings by flood zone
Zone not reported for 46% of policies; shares are of policies with a known zone.
Costliest flood events
Named events by NFIP claims paid in Florida
| Event | Year | Claims | Paid |
|---|---|---|---|
| Hurricane Helene | 2024 | 54,676 | $6.5 billion |
| Hurricane Ian | 2022 | 47,556 | $4.9 billion |
| Hurricane Milton | 2024 | 21,663 | $1.2 billion |
| Hurricane Irma | 2017 | 28,756 | $985.5 million |
| Hurricane Ivan | 2004 | 12,934 | $966.7 million |
Flood insurance by county
Counties in Florida with detailed pages, by number of policies. 17 smaller counties are included in the state totals.
| County | Policies | Avg premium | Claims since 1978 | Paid |
|---|---|---|---|---|
| Miami-Dade County | 361,415 | $1,234 | 62,029 | $855.8 million |
| Broward County | 232,477 | $988 | 35,049 | $457.9 million |
| Lee County | 133,057 | $2,372 | 48,496 | $4.0 billion |
| Pinellas County | 131,438 | $2,388 | 51,779 | $3.8 billion |
| Palm Beach County | 130,762 | $937 | 10,758 | $72.3 million |
| Collier County | 99,388 | $2,239 | 14,773 | $1.1 billion |
| Hillsborough County | 64,175 | $1,618 | 18,556 | $1.2 billion |
| Sarasota County | 60,646 | $1,880 | 14,415 | $856.6 million |
| Volusia County | 47,583 | $957 | 12,577 | $582.1 million |
| Brevard County | 42,830 | $971 | 5,690 | $69.1 million |
| Charlotte County | 40,306 | $2,211 | 11,697 | $475.5 million |
| Manatee County | 37,624 | $1,627 | 11,389 | $650.6 million |
| St. Johns County | 32,277 | $1,137 | 7,639 | $252.4 million |
| Bay County | 31,618 | $1,061 | 9,005 | $337.5 million |
| Monroe County | 31,386 | $2,676 | 27,430 | $714.0 million |
| Duval County | 27,697 | $1,039 | 6,064 | $214.7 million |
| Pasco County | 24,845 | $1,368 | 14,544 | $692.7 million |
| Indian River County | 19,216 | $1,345 | 3,349 | $67.0 million |
| St. Lucie County | 18,944 | $997 | 3,988 | $84.7 million |
| Okaloosa County | 18,941 | $1,337 | 8,226 | $283.1 million |
| Escambia County | 17,291 | $1,193 | 16,499 | $731.9 million |
| Walton County | 17,272 | $897 | 3,174 | $68.5 million |
| Orange County | 16,972 | $599 | 2,271 | $73.1 million |
| Martin County | 14,041 | $1,151 | 2,631 | $40.0 million |
| Santa Rosa County | 11,414 | $862 | 10,439 | $527.5 million |
| Flagler County | 10,659 | $1,087 | 2,153 | $78.4 million |
| Osceola County | 9,149 | $566 | 1,032 | $25.0 million |
| Nassau County | 8,868 | $1,042 | 845 | $12.7 million |
| Polk County | 7,739 | $555 | 1,671 | $45.8 million |
| Seminole County | 7,261 | $712 | 1,562 | $54.0 million |
| Citrus County | 5,968 | $2,162 | 7,076 | $384.9 million |
| Clay County | 4,204 | $892 | 1,744 | $76.3 million |
| Lake County | 3,946 | $642 | 470 | $7.3 million |
| Hernando County | 3,768 | $1,365 | 3,245 | $138.4 million |
| Marion County | 3,742 | $566 | 250 | $6.0 million |
| Sumter County | 3,016 | $521 | 123 | $1.5 million |
| Alachua County | 2,871 | $755 | 309 | $8.8 million |
| Leon County | 2,675 | $875 | 1,015 | $11.9 million |
| Franklin County | 2,278 | $2,331 | 2,866 | $46.6 million |
| Gulf County | 1,717 | $1,497 | 1,717 | $94.7 million |
| Okeechobee County | 1,320 | $854 | 295 | $1.9 million |
| Wakulla County | 1,245 | $2,164 | 1,554 | $34.4 million |
| Putnam County | 1,195 | $1,164 | 621 | $10.7 million |
| Highlands County | 1,012 | $490 | 202 | $2.6 million |
| Levy County | 932 | $2,283 | 1,316 | $55.3 million |
| Hendry County | 750 | $1,012 | 132 | $742 thousand |
| Columbia County | 693 | $800 | 338 | $7.5 million |
| Dixie County | 567 | $1,701 | 916 | $21.4 million |
| Taylor County | 558 | $1,779 | 693 | $37.4 million |
Common questions
How much does flood insurance cost in Florida?
The average NFIP flood insurance policy in Florida costs about $1,484 a year. Your own premium depends on your building's flood risk, elevation and the coverage you choose.
How many homes have flood insurance in Florida?
There are about 1,773,384 National Flood Insurance Program policies in force in Florida, according to FEMA's latest policy data. Private flood policies are not included.
How often does Florida flood?
Since 1978, NFIP policyholders in Florida have filed 448,618 flood claims, with $19.4 billion paid out. 190,644 of those claims were in the last 10 years.
Does homeowners insurance cover flooding?
No. Standard homeowners and renters insurance policies exclude flood damage. You need a separate flood policy from the NFIP or a private insurer.
How long until a new flood policy starts?
NFIP policies usually have a 30-day waiting period, so buying when a storm is already forecast is normally too late. Exceptions apply, for example when a lender requires the policy at closing.
How to get flood insurance
Most flood policies are sold through the National Flood Insurance Program by regular insurance agents. Ask the agent who handles your home or car insurance, or find one through FloodSmart.gov, FEMA's official flood insurance site. Private flood insurers also sell policies in many areas and are worth comparing.