Loiza Municipio flood history
Puerto Rico · From FEMA's flood insurance and disaster data · Updated 2026-10-08
FEMA's National Flood Insurance Program (NFIP) data lists 467 flood insurance claims in Loiza Municipio, Puerto Rico since 1978. The NFIP paid $1.2 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 1998, with 180, mostly from Hurricane Georges.
In the last ten years (2017–2026) there were 8 claims, and the average paid claim was $42,343.
51% of the claims with a recorded flood zone came from buildings outside FEMA's high-risk zones (rated zones B, C and X).
Since 2000, FEMA has made 3 flood-related disaster declarations covering Loiza Municipio, Puerto Rico. The most recent was DR-4850-PR (Tropical Storm Ernesto), declared November 27, 2024.
NFIP claims by year
Show as a table
| Year | Claims | Paid |
|---|---|---|
| 2021 | 1 | $25,790 |
| 2017 | 7 | $270,612 |
| 2013 | 3 | $10,412 |
| 2011 | 57 | $205,923 |
| 2010 | 1 | $5,155 |
| 2008 | 1 | $4,914 |
| 2006 | 1 | $3,842 |
| 2005 | 2 | $3,487 |
| 2004 | 24 | $63,532 |
| 2003 | 34 | $86,113 |
| 2002 | 6 | $45,007 |
| 2001 | 1 | $0 |
| 1998 | 180 | $190,325 |
| 1997 | 1 | $0 |
| 1996 | 20 | $89,875 |
| 1995 | 6 | $325 |
| 1994 | 1 | $0 |
| 1992 | 1 | $0 |
| 1989 | 39 | $67,233 |
| 1988 | 1 | $0 |
| 1987 | 63 | $100,860 |
| 1985 | 2 | $1,478 |
| 1984 | 1 | $461 |
| 1982 | 3 | $2,609 |
| 1981 | 8 | $6,584 |
| 1979 | 3 | $6,708 |
Named flood events
| Event | Year | Claims | Paid |
|---|---|---|---|
| Hurricane Maria | 2017 | 7 | $270,612 |
| Hurricane Irene | 2011 | 55 | $201,941 |
| Hurricane Georges | 1998 | 175 | $190,325 |
| Flooding | 1987 | 61 | $93,213 |
| Hurricane Hortense | 1996 | 19 | $86,595 |
| Hurricane Hugo | 1989 | 39 | $67,233 |
| Torrential Rain | 2003 | 29 | $61,812 |
| Tropical Storm Jeanne | 2004 | 22 | $55,503 |
Flood-related disaster declarations
| Declaration | Declared | Event | Help for individuals |
|---|---|---|---|
| DR-4850-PR | Nov 27, 2024 | Tropical Storm Ernesto | No |
| EM-3610-PR | Aug 13, 2024 | Tropical Storm Ernesto | No |
| DR-1501-PR | Nov 21, 2003 | Severe Storms, Flooding, Mudslides, and Landslides | 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 Puerto Rico.
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.