Data reports
Every Florida county, ranked by how few homes carry flood insurance
Flood is excluded from every homeowners policy written in Florida. It has to be bought separately, and in most of this state almost nobody does. Here is the share of homes with a flood policy in each of the 67 counties, with the number of flood claims already on the record beside it.
All 67 counties
Sort by any column. A county name links to its own page where one exists.
| Rank | ||||||
|---|---|---|---|---|---|---|
| 1 | Monroe | 58.3% | 22,181 | 38,080 | 27,430 | 1.5% |
| 2 | Miami-Dade | 33.4% | 164,154 | 492,181 | 62,027 | 8.8% |
| 3 | Charlotte | 32% | 32,247 | 100,666 | 11,697 | 3.5% |
| 4 | Collier | 29.6% | 51,467 | 174,174 | 14,771 | 7.2% |
| 5 | Franklin | 25.1% | 1,984 | 7,893 | 2,866 | 2% |
| 6 | Lee | 24.3% | 84,120 | 346,951 | 48,493 | 3.6% |
| 7 | St. Johns | 23.2% | 22,491 | 96,803 | 7,637 | 15.5% |
| 8 | Walton | 20.4% | 8,647 | 42,368 | 3,174 | 58.8% |
| 9 | Gulf | 19.4% | 1,610 | 8,319 | 1,717 | 26% |
| 10 | Pinellas | 19.4% | 76,020 | 391,677 | 51,767 | 5.2% |
| 11 | Broward | 19.2% | 125,204 | 652,397 | 35,042 | 11.1% |
| 12 | Sarasota | 18% | 37,772 | 210,450 | 14,412 | 12.4% |
| 13 | Bay | 17.9% | 13,382 | 74,934 | 9,002 | 53.6% |
| 14 | Indian River | 17.8% | 12,860 | 72,129 | 3,349 | 39.5% |
| 15 | Manatee | 17.3% | 28,439 | 164,526 | 11,387 | 7.3% |
| 16 | Nassau | 16.1% | 6,287 | 39,005 | 845 | 47.8% |
| 17 | Flagler | 15.2% | 7,540 | 49,625 | 2,153 | 32.9% |
| 18 | Martin | 14.1% | 9,539 | 67,665 | 2,631 | 39.8% |
| 19 | Santa Rosa | 14.1% | 9,799 | 69,725 | 10,439 | 22.4% |
| 20 | Palm Beach | 13% | 69,154 | 530,976 | 10,757 | 48.5% |
| 21 | Hillsborough | 12.1% | 54,179 | 448,186 | 18,549 | 12.5% |
| 22 | Brevard | 11.8% | 29,365 | 249,193 | 5,688 | 60.8% |
| 23 | Volusia | 11.1% | 25,185 | 226,141 | 12,572 | 37.1% |
| 24 | Pasco | 10.3% | 23,604 | 229,196 | 14,541 | 6.6% |
| 25 | Okaloosa | 10.2% | 8,128 | 79,911 | 8,221 | 42.8% |
| 26 | St. Lucie | 8.7% | 10,964 | 126,056 | 3,988 | 24.8% |
| 27 | Escambia | 8.3% | 10,067 | 120,946 | 16,498 | 22.9% |
| 28 | Wakulla | 8.2% | 1,131 | 13,721 | 1,553 | 1.7% |
| 29 | Citrus | 7% | 5,549 | 78,835 | 7,076 | 1.4% |
| 30 | Taylor | 6.9% | 669 | 9,758 | 693 | 3.6% |
| 31 | Okeechobee | 6.4% | 1,244 | 19,315 | 295 | 26.1% |
| 32 | Duval | 6.3% | 20,676 | 328,032 | 6,062 | 50.5% |
| 33 | Osceola | 6% | 7,888 | 131,130 | 1,031 | 27.9% |
| 34 | Dixie | 5.8% | 556 | 9,564 | 916 | 2.8% |
| 35 | Clay | 5.1% | 4,005 | 78,156 | 1,744 | 29.3% |
| 36 | Hernando | 4.8% | 4,089 | 84,652 | 3,244 | 6.8% |
| 37 | Hendry | 4.4% | 657 | 14,936 | 132 | 24.2% |
| 38 | Levy | 4.3% | 840 | 19,343 | 1,315 | 1.6% |
| 39 | Sumter | 4.1% | 2,912 | 70,279 | 123 | 44.7% |
| 40 | Bradford | 4% | 436 | 10,879 | 184 | 27.7% |
| 41 | Lafayette | 4% | 146 | 3,659 | 207 | 3.9% |
| 42 | Seminole | 4% | 6,283 | 155,478 | 1,561 | 40.4% |
| 43 | DeSoto | 3.3% | 434 | 13,371 | 453 | 12.8% |
| 44 | Orange | 3.3% | 13,113 | 397,341 | 2,271 | 42.2% |
| 45 | Leon | 2.7% | 2,487 | 92,556 | 1,015 | 38.3% |
| 46 | Glades | 2.6% | 185 | 7,161 | 56 | 17.9% |
| 47 | Polk | 2.6% | 7,144 | 272,548 | 1,670 | 37.2% |
| 48 | Putnam | 2.6% | 1,038 | 39,320 | 621 | 12.1% |
| 49 | Alachua | 2.5% | 2,149 | 84,597 | 308 | 43.5% |
| 50 | Lake | 2.5% | 3,776 | 151,946 | 470 | 29.4% |
| 51 | Columbia | 2.3% | 654 | 28,107 | 338 | 24% |
| 52 | Gilchrist | 2.3% | 180 | 7,707 | 212 | 8.5% |
| 53 | Suwannee | 2.1% | 436 | 20,585 | 364 | 23.4% |
| 54 | Marion | 2% | 3,398 | 171,467 | 250 | 48% |
| 55 | Highlands | 1.9% | 964 | 50,390 | 202 | 43.1% |
| 56 | Baker | 1.5% | 146 | 9,954 | 95 | 22.1% |
| 57 | Union | 1.4% | 65 | 4,602 | 31 | 25.8% |
| 58 | Hardee | 1.3% | 118 | 9,203 | 129 | 44.2% |
| 59 | Calhoun | 1.2% | 80 | 6,430 | 142 | 19.7% |
| 60 | Jefferson | 1.2% | 75 | 6,317 | 18 | 11.1% |
| 61 | Madison | 1.2% | 88 | 7,670 | 84 | 8.3% |
| 62 | Holmes | 1.1% | 99 | 8,793 | 165 | 13.9% |
| 63 | Hamilton | 1% | 52 | 5,243 | 116 | 4.3% |
| 64 | Washington | 1% | 117 | 11,902 | 184 | 16.3% |
| 65 | Jackson | 0.6% | 104 | 18,666 | 72 | 37.5% |
| 66 | Gadsden | 0.4% | 79 | 18,318 | 41 | 56.1% |
| 67 | Liberty | 0.4% | 13 | 2,968 | 9 | 33.3% |
Sous: FEMA, NFIP residential penetration rates.
Sous: FEMA OpenFEMA, NFIP redacted claims, pran 2026-09-07.
Reusing this? Please link back to this page rather than copying the table. It gets rebuilt when FEMA publishes, and a copy goes stale silently.
What the two columns do to each other
Read a row across. Orange County has 397,341 homes, 3.3% of them carry flood insurance, and 2,271 flood claims have already been filed there. The counties with the most claims are rarely the counties with the most coverage, and that gap is not about risk. It is about a map: the mandatory purchase rule only bites inside the mapped high-risk area, so outside it people are left to decide, and they mostly decide no.
Why the map is the wrong thing to decide on
Roughly a quarter to a third of NFIP claims nationally come from outside the mapped high-risk area, and the counties on this page show the same pattern. In Miami-Dade, 9% of the claims on record were rated in a moderate-to-low risk zone; in Broward it is 11%. Those are claims paid on policies people were told they probably did not need.
What this page is not
It is not a prediction and it is not a quote. It is a count of what has already been filed and a count of who currently holds a policy. Both come from FEMA, both are linked below, and neither says anything about what will happen to a particular house.
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