448,275 flood insurance claims·$19.2B paid·1,744,337 policies in force
10 flood alerts from the National Weather Service, checked just now. Whole U.S. →
...The Flood Warning continues for the following rivers in Florida...
St Johns River Near Cocoa 9w affecting Brevard County.
.Exceptional rainfall over the headwaters of the St. Johns River has caused Moderate flooding at the gauge west of Cocoa. Water levels continue to rise at upstream gauges. The river is forecast to slowly rise into Major flood stage late this weekend and into this week.
For the St. Johns River...including Cocoa 9w...Major flooding is forecast.
WHAT. Moderate flooding is occurring and major flooding is forecast.
WHERE. St Johns River near Cocoa 9w.
WHEN. Until further notice.
IMPACTS. At 17.2 feet, Water enters homes along the St Johns River in the Lake Poinsett area west of Cocoa, also low lying homes in the Silver Pines subdivision in Rockledge and the Shakespeare Park area of Cocoa. Providence Road area west of Cocoa becomes impassable, cutting off access to homes in the Mullet Lane and Bass Road area. Docks flooded and water in parking lot at Lone Cabbage Fish Camp.
ADDITIONAL DETAILS. - At 8:15 PM EST Saturday the stage was 16.9 feet. - Bankfull stage is 15.8 feet. - Recent Activity...The maximum river stage in the 24 hours ending at 8:15 PM EST Saturday was 16.9 feet. - Forecast...The river is expected to continue rising, reaching Major flood stage over the next couple days and cresting at 17.1 feet by midweek. - Flood stage is 16.0 feet. - http://www.weather.gov/safety/flood
What to do.
Motorists should not attempt to drive around barricades or drive cars through flooded areas.
Caution is urged when walking near riverbanks.
Additional information is available at www.weather.gov.
The next statement will be issued Sunday morning at 1115 AM EST.
...The Flood Warning continues for the following rivers in Florida...
St Johns River Near Sanford affecting Seminole County.
.Heavy rainfall has caused river levels on the St. Johns near Sanford to rise in Action Stage. The river is forecast to climb into Minor flood stage late Sunday with a continued rise through Minor flood stage anticipated through next week.
For the St. Johns River...including Sanford...Minor flooding is forecast.
WHAT. Minor flooding is forecast.
WHERE. St Johns River near Sanford.
WHEN. Until further notice.
IMPACTS. At 6.2 feet, Water completely surrounds many homes in the Stone Island and Still Brook subdivisions. Pool enclosures and patios become flooded. Water covers many of the roads. Flooding occurs on Enterprise Road and in the Bethel Loop subdivision.
ADDITIONAL DETAILS. - At 7:30 PM EST Saturday the stage was 5.3 feet. - Bankfull stage is 4.2 feet. - Forecast...The river is expected to rise above flood stage tomorrow evening and continue rising to 6.3 feet Thursday evening. Additional rises are possible thereafter. - Flood stage is 5.5 feet. - http://www.weather.gov/safety/flood
What to do.
Motorists should not attempt to drive around barricades or drive cars through flooded areas.
Caution is urged when walking near riverbanks.
Additional information is available at www.weather.gov.
The next statement will be issued Sunday morning at 1100 AM EST.
...The Flood Warning continues for the following rivers in Florida...
St Johns River Near Above Lake Harney affecting Seminole County.
.Heavy rainfall has caused river levels on the St. Johns near Geneva Above Lake Harney to rise into Moderate flood stage. A steady rise within Moderate flood stage is forecast to continue through this weekend and into early next week. River levels may approach Major flood stage late next week.
For the St. Johns River...including Above Lake Harney...Moderate flooding is forecast.
WHAT. Moderate flooding is occurring and forecast.
WHERE. St Johns River near Above Lake Harney.
WHEN. Until further notice.
IMPACTS. At 9.5 feet, Water begins to move into homes in low lying areas along the river. Flooding around the Black Hammock area near Lake Jesup.
ADDITIONAL DETAILS. - At 7:30 PM EST Saturday the stage was 9.1 feet. - Bankfull stage is 6.0 feet. - Recent Activity...The maximum river stage in the 24 hours ending at 7:30 PM EST Saturday was 9.1 feet. - Forecast...The river is expected to rise to 9.6 feet Thursday morning. Additional rises are possible thereafter. - Flood stage is 8.0 feet. - http://www.weather.gov/safety/flood
What to do.
Motorists should not attempt to drive around barricades or drive cars through flooded areas.
Caution is urged when walking near riverbanks.
Additional information is available at www.weather.gov.
The next statement will be issued Sunday morning at 1100 AM EST.
...The Flood Warning continues for the following rivers in Florida...
St Johns River Near Deland affecting Volusia and Lake Counties.
.Heavy rainfall has caused the St. Johns River near Deland to remain just below flood stage. The river is forecast to slowly climb into Minor flood stage this week.
For the St. Johns River...including Deland...Minor flooding is forecast.
WHAT. Minor flooding is forecast.
WHERE. St Johns River near Deland.
WHEN. Until further notice.
IMPACTS. At 4.5 feet, Water moves into yards and approaches buildings around Hontoon Island.
ADDITIONAL DETAILS. - At 7:30 PM EST Saturday the stage was 3.9 feet. - Bankfull stage is 3.5 feet. - Forecast...The river is expected to rise above flood stage tomorrow evening and continue rising to 4.3 feet Wednesday evening. Additional rises are possible thereafter. - Flood stage is 4.0 feet. - http://www.weather.gov/safety/flood
What to do.
Motorists should not attempt to drive around barricades or drive cars through flooded areas.
Caution is urged when walking near riverbanks.
Additional information is available at www.weather.gov.
The next statement will be issued Sunday morning at 1100 AM EST.
...The Flood Warning continues for the following rivers in Florida...
St Johns River Near Astor affecting Volusia and Lake Counties.
.Heavy rainfall that has occurred upstream will maintain river levels within Moderate flood stage through early next week as a large volume of rainwater works north through the basin.
For the St. Johns River...including Astor...Moderate flooding is forecast.
WHAT. Moderate flooding is occurring and forecast.
WHERE. St Johns River near Astor.
WHEN. Until further notice.
IMPACTS. At 3.0 feet, Water approaches or may enter lowest homes on or near Wildhog Road and nearby canals. Flooding reaches the parking lot of the Juno Trail Apartments. Flooding on portions of Alligator Road and Holiday Road. Lowest lying yards along Blue Creek are flooded. Roads at Astor Landing Campground and Lake Dexter Boat Ramp begin to flood. Water enters lower homes closest to the river on McPherson Lane.
ADDITIONAL DETAILS. - At 7:30 PM EST Saturday the stage was 3.0 feet. - Bankfull stage is 2.0 feet. - Recent Activity...The maximum river stage in the 24 hours ending at 7:30 PM EST Saturday was 3.1 feet. - Forecast...The river is expected to remain steady above flood stage at 3.0 to 3.2 feet through the middle of the week. Additional rises are possible thereafter. - Flood stage is 2.3 feet. - http://www.weather.gov/safety/flood
What to do.
Motorists should not attempt to drive around barricades or drive cars through flooded areas.
Caution is urged when walking near riverbanks.
Additional information is available at www.weather.gov.
The next statement will be issued Sunday morning at 1100 AM EST.
...The Flood Warning continues for the following rivers in Florida...
Peace River At Arcadia at SR 70 affecting DeSoto County.
WHAT. Moderate flooding is occurring and moderate flooding is forecast.
WHERE. Peace River at Arcadia at SR 70.
WHEN. Until further notice.
IMPACTS. At 15.5 feet, 25 homes at River Acres are impacted.
ADDITIONAL DETAILS. - At 9:30 PM EST Saturday the stage was 15.6 feet. - Bankfull stage is 10.0 feet. - Recent Activity...The maximum river stage in the 24 hours ending at 9:30 PM EST Saturday was 16.2 feet. - Forecast...The river is expected to fall to 12.0 feet Thursday evening. - Flood stage is 11.0 feet. - Flood History...This crest compares to a previous crest of 15.7 feet on 11/18/1997. - https://www.weather.gov/safety/flood
What to do.
Turn around, don't drown when encountering flooded roads. Most flood deaths occur in vehicles.
Motorists should not attempt to drive around barricades or drive cars through flooded areas.
Additional information is available at www.weather.gov.
The next statement will be issued Sunday morning at 1000 AM EST.
...The Flood Advisory is extended for the following rivers in Florida...
Myakka River At Myakka River State Park affecting Sarasota County.
...The Flood Advisory continues for the following rivers in Florida...
Horse Creek Near Arcadia at SR 72 affecting DeSoto County.
WHAT. Flooding caused by excessive rainfall continues.
WHERE. Horse Creek near Arcadia at SR 72.
WHEN. Until Tuesday afternoon.
IMPACTS. At 11.0 feet, Secondary roads in Hidden Oak and royal palm begin to flood.
ADDITIONAL DETAILS. - At 9:30 PM EST Saturday the stage was 11.4 feet. - Bankfull stage is 12.0 feet. - Forecast...The river is expected to fall to 9.5 feet Tuesday evening. - Action stage is 10.0 feet. - Flood stage is 12.0 feet. - https://www.weather.gov/safety/flood
What to do.
Caution is urged when walking near riverbanks.
Additional information is available at www.weather.gov.
The next statement will be issued Sunday morning at 1000 AM EST.
...The Flood Advisory is extended for the following rivers in Florida...
Myakka River At Myakka River State Park affecting Sarasota County.
...The Flood Advisory continues for the following rivers in Florida...
Horse Creek Near Arcadia at SR 72 affecting DeSoto County.
WHAT. Flooding caused by excessive rainfall continues.
WHERE. Myakka River at Myakka River State Park.
WHEN. Until further notice.
IMPACTS. At 6.5 feet, Water approaching Fisherman's Loop parking area.
ADDITIONAL DETAILS. - At 9:00 PM EST Saturday the stage was 6.5 feet. - Bankfull stage is 7.0 feet. - Forecast...The river is expected to rise to a crest of 6.6 feet early tomorrow afternoon. - Action stage is 6.5 feet. - Flood stage is 7.0 feet. - https://www.weather.gov/safety/flood
What to do.
Caution is urged when walking near riverbanks.
Additional information is available at www.weather.gov.
The next statement will be issued Sunday morning at 1000 AM EST.
WHAT. Isolated minor coastal flooding.
WHERE. Coastal Palm Beach County, Coastal Broward County and Coastal Miami Dade County.
WHEN. Through Monday morning.
IMPACTS. Some water on low lying roads and property.
What to do.
Do not drive through flooded roadways.
WHAT. Minor saltwater flooding.
WHERE. Florida Keys.
WHEN. Through late tonight.
IMPACTS. Minor saltwater flooding of low elevation streets and lots is likely. Some storm drains will overflow, and some seawalls and docks will be overtopped. Boaters can expect less clearance under fixed bridges. Motorists should remember that persistent puddles around the times of high tide are almost certain to contain a mix of saltwater.
What to do.
Do not drive through flooded roadways.
Is your address in the flood zone? Search it above for FEMA’s zone and base flood elevation. A new flood insurance policy usually takes 30 days to start (NFIP rule; exceptions include a policy bought when closing a mortgage), so one bought during a flood generally won’t cover it. Homeowners policies don’t cover flood.
Shaded areas are FEMA’s mapped flood hazard zones in and around Florida. Zoomed out they are simplified; at street level the map switches to FEMA’s exact layer. Tap anywhere to check that spot, or search an address above.
Florida faces a mixed flood risk profile characterized by high frequencies of standard floods, flash floods, and tropical storm systems. Over the last 30 years, NOAA data records 1,492 flood events and 1,423 flash flood events, alongside 1,112 tropical storms, 330 coastal floods, and 323 hurricanes. While tropical storms and standard floods generate high event counts, hurricanes carry the highest fatality toll, resulting in 202 deaths out of 345 total fatalities across all listed tropical and flood categories.
Recent federal disaster declarations highlight the immediate threat of hurricanes, specifically noting repeated disaster declarations for Hurricane Milton on October 5, 2024. The data reflects significant vulnerability to both wind-driven tropical weather and rising coastal waters, encompassing 257 storm surge or tide events and 135 tropical depressions over the three-decade period.
NFIP claim data indicates that the vast majority of financial risk and claim volume concentrates in FEMA Zone A, which accounts for 353,571 claims and $16,447 million in total payouts, with an average of $64,879 per claim. Zone V claims average the highest payout at $72,953, reflecting severe coastal exposure. However, surprise claims occur outside high-risk zones as well; Zone X records 48,898 claims totaling $1295 million, while unshaded and shaded X zones account for thousands of additional claims. This distribution shows that while residents in Zones A and V face the most severe and frequent financial need for insurance, property owners in Zone X categories also experience flood losses.
Summary generated from FEMA disaster declarations, NOAA storm events, and NFIP claim data. Updated quarterly.
Source: OpenFEMA NFIP Claims, Policies, and Disaster Declarations data. NFIP policies in force and average premium (premium plus federal policy fee) as of August 31, 2026, from OpenFEMA.
Florida has received 2,791 federal disaster declarations, including 99 flood and coastal storm declarations and 883 hurricane declarations.
NFIP claims by county, 1978 to date. Source: OpenFEMA. Counties ranked by recorded flood events →
Properties in Florida FEMA-designated Special Flood Hazard Areas (zones A and V) with a mortgage from a federally regulated or insured lender, or a federally backed loan, are required to carry flood insurance through the National Flood Insurance Program (NFIP).
Florida had 1,744,337 NFIP policies in force on August 31, 2026, and the average NFIP premium was $965 a year (premium plus the federal policy fee; the reserve fund assessment and HFIAA surcharge come on top, and nationally they make actual bills about a quarter higher). Under FEMA’s Risk Rating 2.0 each building is priced on its own flood risk, so a state average says little about what any one home will pay.
Even outside high-risk zones, flood insurance is recommended. From 2014 to 2024, nearly one-third of NFIP claims came from properties outside the high-risk Special Flood Hazard Area. Florida residents can purchase flood insurance through the NFIP or private insurers.
Visit FloodSmart.gov to find an agent and get a quote.
See the most flood-prone counties in Florida →
Select a county to view local flood zone data and disaster history:
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