Monroe County flood history
Florida · From FEMA's flood insurance and disaster data · Updated 2026-10-08
FEMA's National Flood Insurance Program (NFIP) data lists 27,430 flood insurance claims in Monroe County, Florida since 1978. The NFIP paid $714.0 million on them (building, contents and Increased Cost of Compliance payments, in the dollars of the year paid).
The year with the most claims was 2005, with 9,186, mostly from Hurricane Wilma.
In the last ten years (2017–2026) there were 8,930 claims, and the average paid claim was $52,623.
2% of the claims with a recorded flood zone came from buildings outside FEMA's high-risk zones (rated zones B, C and X).
About 58.2% of homes in Monroe County, Florida had an NFIP flood policy in FEMA's latest count (22,181 of 38,080 residential buildings). In the high-risk flood zones (Special Flood Hazard Areas), it was 61% (20,855 of 34,033).
Since 2000, FEMA has made 6 flood-related disaster declarations covering Monroe County, Florida. The most recent was DR-4834-FL (Hurricane Milton), declared October 11, 2024.
NFIP claims by year
Show as a table
| Year | Claims | Paid |
|---|---|---|
| 2026 | 8 | $0 |
| 2025 | 15 | $439,912 |
| 2024 | 22 | $210,307 |
| 2023 | 30 | $706,709 |
| 2022 | 570 | $28.6 million |
| 2021 | 3 | $22,574 |
| 2020 | 77 | $1.2 million |
| 2019 | 7 | $4,025 |
| 2018 | 8 | $30,000 |
| 2017 | 8,190 | $293.4 million |
| 2016 | 3 | $8,950 |
| 2015 | 8 | $48,735 |
| 2014 | 13 | $224,459 |
| 2013 | 14 | $239,402 |
| 2012 | 18 | $55,825 |
| 2011 | 41 | $325,980 |
| 2010 | 17 | $121,886 |
| 2009 | 7 | $74,009 |
| 2008 | 44 | $395,397 |
| 2007 | 7 | $24,197 |
| 2006 | 22 | $153,653 |
| 2005 | 9,186 | $337.0 million |
| 2004 | 25 | $66,398 |
| 2003 | 5 | $5,607 |
| 2002 | 5 | $1,740 |
| 2001 | 34 | $183,507 |
| 2000 | 23 | $63,213 |
| 1999 | 855 | $4.8 million |
| 1998 | 7,258 | $43.5 million |
| 1997 | 10 | $23,910 |
| 1996 | 16 | $78,457 |
| 1995 | 20 | $85,559 |
| 1994 | 188 | $1.2 million |
| 1993 | 39 | $34,389 |
| 1992 | 180 | $84,509 |
| 1991 | 3 | $0 |
| 1990 | 4 | $9,404 |
| 1989 | 1 | $0 |
| 1988 | 11 | $36,759 |
| 1987 | 4 | $1,460 |
| 1986 | 5 | $16,221 |
| 1985 | 43 | $74,258 |
| 1984 | 2 | $4,140 |
| 1983 | 40 | $47,035 |
| 1982 | 21 | $11,408 |
| 1981 | 18 | $10,875 |
| 1980 | 290 | $441,030 |
| 1979 | 16 | $2,486 |
| 1978 | 4 | $1,172 |
Named flood events
| Event | Year | Claims | Paid |
|---|---|---|---|
| Hurricane Wilma | 2005 | 8,363 | $319.1 million |
| Hurricane Irma | 2017 | 8,002 | $290.2 million |
| Hurricane Georges (Keys) | 1998 | 6,753 | $40.6 million |
| Hurricane Ian | 2022 | 560 | $28.6 million |
| Hurricane Irene | 1999 | 774 | $4.6 million |
| Hurricane Georges (Panhandle) | 1998 | 315 | $2.3 million |
| Hurricane Katrina | 2005 | 118 | $2.0 million |
| Hurricane Sally | 2020 | 54 | $1.0 million |
How many homes have flood insurance
FEMA counts 22,181 residential NFIP policies in Monroe County, against 38,080 residential buildings (58.2%). Of the 34,033 residential buildings in high-risk flood zones (Special Flood Hazard Areas), 20,855 have an NFIP policy (61%). Private flood policies aren't in these counts.
Whether you're required to carry flood insurance depends on your flood zone and your mortgage. See do I need flood insurance?
Flood-related disaster declarations
| Declaration | Declared | Event | Help for individuals |
|---|---|---|---|
| DR-4834-FL | Oct 11, 2024 | Hurricane Milton | Yes |
| EM-3615-FL | Sep 24, 2024 | Tropical Storm Helene | No |
| EM-3605-FL | Aug 3, 2024 | Tropical Storm Debby | No |
| DR-1785-FL | Aug 24, 2008 | Tropical Storm Fay | Yes |
| EM-3288-FL | Aug 21, 2008 | Tropical Storm Fay | No |
| DR-1345-FL | Oct 4, 2000 | Severe Storms and Flooding | Yes |
Check your own address
County numbers can't tell you about a single building. Look up your property on FEMA's flood map, then read what your flood zone means. More counties: all of Florida.
Where these numbers come from
All figures on this page are calculated from FEMA's public OpenFEMA datasets:
- NFIP Redacted Claims (v3) (FEMA (OpenFEMA)): NFIP claims since 1978, downloaded 2026-10-08. Dollar amounts are what the NFIP paid, not adjusted for inflation. Claims filed under private flood insurance aren't included.
- NFIP Residential Penetration Rates (v1) (FEMA (OpenFEMA)): NFIP residential policy contracts in force (as of August 3, 2026) divided by FEMA's count of residential buildings from the National Structure Inventory. FEMA notes that inventory is incomplete in some counties, which can inflate the rate. Private flood policies aren't counted.
- Disaster Declarations Summaries (v2) (FEMA (OpenFEMA)): disaster declarations, downloaded 2026-10-08. We count a declaration as flood-related when FEMA lists flooding (or a dam or levee break) as its incident type or a designated incident type, or the declaration's title mentions flooding.
FEMA's redacted claims data doesn't identify properties, and FEMA notes that some records lack a county or flood zone. See how we use the data.