Florida
flood insurance data

NFIP premiums in Florida

NFIP premiums: what NFIP policyholders paid, not a quote. Across 972,263 policies (policies effective 2025; occupancy: residential (occupancyType 1,2,3,11,12,13,14); amount: FEMA field policyCost), the median is $1,002, and half of them fall between $689 (Q1) and $1,497 (Q3).

With 972,263 residential NFIP policies effective 2025, Florida has the most of 53 States and territories. Inside the Special Flood Hazard Area (SFHA), the median premium in Florida is $1,110, 34.7% higher than outside it ($824); most of its zoned policies sit inside the SFHA (63.5%). Residential NFIP policies counted by FEMA fell 12.9% between 2019 (1,115,630) and 2025 (972,263); the first year, 2019, has the highest count of the 7. The median NFIP premium in Florida, $1,002, is 5.0% below the national median ($1,055); it is the 22nd lowest of 53 States and territories.

By flood zone

Policies in force by year

Base of each count: the yearly figures are FEMA API counts of residential policy terms, every premium included; the median and quartiles rest on the policies effective 2025 with a positive policyCost. For 2025 both bases count 972,263 policies.

NFIP paid building claims in Florida

NFIP claims: amounts paid, not repair cost. Window: year of loss 2015-2024; 150,776 paid claims; median $57,176, half of them between $13,625 (Q1) and $116,714 (Q3), in nominal dollars. Median in 2024 dollars (CPI-U): $62,243, a monetary adjustment, not today’s cost of repair.

Two years hold 69.2% of the paid claims (year of loss 2015-2024): 2024 with 66,722 and 2022 with 37,578. The named event with the most paid claims in Florida, Hurricane Helene, accounts for 31.6% of them, ahead of Hurricane Ian (23.9%): no single event holds a majority.

Paid claims by year of loss

FEMA disaster declarations

Since 2000: 57 flood, hurricane and severe-storm declarations (DR and EM) covering Florida, 38 of them major disaster declarations.

Latest declarations

• DR-4844: HURRICANE MILTON (Hurricane, 2024-11-05)
• DR-4834: HURRICANE MILTON (Hurricane, 2024-10-11)
• EM-3623: HURRICANE MILTON (Hurricane, 2024-10-08)
• EM-3622: HURRICANE MILTON (Hurricane, 2024-10-07)
• DR-4828: HURRICANE HELENE (Hurricane, 2024-09-28)

FEMA assistance to homeowners

Since 2002: 1,799,754 owner registrations inspected by FEMA in Florida after disasters of every declared type; inspected damage is FEMA’s assessment for its assistance program, not repair cost.

Of the 1,799,754 owner registrations FEMA inspected in Florida after disasters of every declared type, 1.7% show more than $30,000 of FEMA-inspected damage, against 2.6% nationally. The disaster with the most inspections is DR-4337, HURRICANE IRMA (declared 2017-09-10), with 404,384.

Disasters with the most inspections

• DR-4337, HURRICANE IRMA (declared 2017-09-10): 404,384 inspections
• DR-1609, HURRICANE WILMA (declared 2005-10-24): 296,983 inspections
• DR-1545, HURRICANE FRANCES (declared 2004-09-04): 219,406 inspections
• DR-1561, HURRICANE JEANNE (declared 2004-09-26): 175,799 inspections
• DR-4673, HURRICANE IAN (declared 2022-09-29): 148,580 inspections

NFIP communities and flood maps

FEMA’s Community Status Book lists 478 NFIP communities in Florida: 469 participate in the NFIP and 267 (55.9%) are classed in the Community Rating System (CRS). The best class among the communities counted here is 2 (Pinellas County *): FEMA applies its CRS discount to the full-risk premium of Regular Program NFIP policies in that community, inside or outside the SFHA, not to the whole state; a policy can be excluded if its building does not comply with local floodplain rules. The oldest flood map still in effect in Florida dates from 2005-02-18 (Key West, City of). 9 of these communities do not participate in the NFIP; 9 carry a sanction, 0 coded as a suspension and 0 as a withdrawal.

Questions about flood insurance in Florida

How much is flood insurance in Florida?

NFIP policyholders in Florida paid a median of $1,002 for residential policies effective 2025 (972,263 policies; FEMA field policyCost: premium, reserve fund assessment, federal policy fee and HFIAA surcharge); half paid between $689 and $1,497; $1,110 inside the Special Flood Hazard Area against $824 outside it: what NFIP policyholders paid, not a quote.

How many flood insurance claims has Florida had?

150,776 NFIP building claims were paid (year of loss 2015-2024), with a median of $57,176; the year with the most was 2024 (66,722), and the named event with the most was Hurricane Helene (47,677). These are amounts paid, not repair cost.

Is Florida in a flood zone?

Of the residential NFIP policies of Florida (policies effective 2025), 617,457 are rated inside the Special Flood Hazard Area and 354,766 outside it (zones listed: AE, X, AH, A, VE, AO), but these aggregates cannot tell the flood zone of an address: FEMA’s Flood Map Service Center shows it for a given property.

Counties of Florida

• Broward County
• Lee County
• Miami-Dade County
• Pinellas County

Named storms with paid claims in Florida

• Hurricane Katrina
• Hurricane Helene
• Hurricane Ian
• Hurricane Irma
• Hurricane Matthew
• Hurricane Milton
• Hurricane Isaac
• Hurricane Wilma
• Hurricane Sally
• Hurricane Idalia
• Hurricane Dennis
• Hurricane Michael
• Hurricane Eta
• Tropical Storm Fay
• Hurricane Debby
• Hurricane Hermine
• Tropical Storm Debby
• Hurricane Nicole

Related tools

NFIP paid claims and premiums are not repair estimates: to estimate the cleanup of a flooded basement from published cost-guide rates, use the basement water damage repair cost calculator; for water removal and drying after any water loss, the water damage and mitigation calculator.

To set these figures against every State on one claims window, amounts paid, not repair cost: NFIP paid building claims by state.

Before using these figures

A state figure mixes very different counties and flood zones. Method and limits.

Source and notice

• 0 residential 2025 policies with policyCost <= 0 or empty are left out; 40 kept policies have zone D or an unknown zone (in n, not in the zone tables).
• Owners assistance: county names not matched to a FIPS code (counted in the State total only): Big Cypress Indian Reservation (no match, 9 inspected); Brighton Indian Reservation (no match, 4 inspected); Fort Pierce Indian Reservation (no match, 2 inspected); Hollywood Indian Reservation (no match, 5 inspected); Immokalee Indian Reservation (no match, 7 inspected); Miccosukee Tribe of Indians of Florida (no match, 429 inspected); Sorrento Shores (no match, 1 inspected); Tampa Reservation (no match, 3 inspected)

This product uses the Federal Emergency Management Agency’s OpenFEMA API, but is not endorsed by FEMA. The Federal Government or FEMA cannot vouch for the data or analyses derived from these data after the data have been retrieved from the Agency's website(s).