2,153 flood insurance claims·$78.1M paid·14 federal flood & hurricane disasters
Share of the whole county outline, rivers and lakes included; parts FEMA hasn’t mapped count as zero.
Shaded areas are FEMA’s mapped flood hazard zones in and around Flagler County, 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.
Flagler County is characterized primarily by riverine and coastal flooding driven by general flood and coastal flood events over the last 30 years. NOAA storm records document recurring nor'easter events, such as those in September 2025 and October 2025, which combined extended onshore flow, high astronomical tides, and storm surge to produce daily minor to moderate tidal flooding around high tides along the coast, the Intracoastal Waterway, and inland areas.
Federal Emergency Management Agency flood insurance data shows that risk extends across multiple zones. Zone A has accumulated the highest impact with 1,378 claims averaging $59,517 with an average recorded water depth of 6 inches. Zone V properties experienced the highest average water depth at 13 inches across 60 claims with an average payout of $33,175. Additionally, various designations of Zone X account for hundreds of claims with average water depths ranging from 5 to 7 inches and average payouts between $21,265 and $25,603.
Coastal property owners, as well as those located in Zone A and Zone V flood zones, should pay the most attention to flood risk given the frequency of coastal flooding and the higher average payout amounts and water depths associated with these areas.
Summary written from NOAA storm reports and NFIP claims for this county. Not a prediction.
13% of Flagler County’s flood insurance claims were on properties rated outside FEMA’s high-risk zones.
1,656 NFIP claims with a recorded rated flood zone, 1978 to date. The zone is the one FEMA used to rate that policy, which may not match today’s map. Source: OpenFEMA NFIP claims.
In flood insurance claims here that reported a flood depth, the average was 6 inches.
Drawn to scale against an 80-inch door. Even a few inches soaks flooring, the bottom of the drywall and anything plugged in near the floor.
Average of the depths reported on claims (zero and implausible values left out); FEMA’s record doesn’t say exactly where each depth was measured. Source: OpenFEMA NFIP claims.
The worst year was 2017, with 754 claims and $42.9M paid, the year of Hurricane Irma.
Bar height is scaled by square root so ordinary years stay visible next to the worst one. NFIP claims by year of loss. Source: OpenFEMA.
59 NOAA storm reports from Flagler County describe what happened, in the words of the forecasters who covered it. Read the Florida flood stories →
38 federal disaster declarations since 1977, 14 of them floods, coastal storms or hurricanes.
| Disaster | Began |
|---|---|
| Hurricane Milton | Oct 5, 2024 |
| Hurricane Debby | Aug 1, 2024 |
| Tropical Storm Debby | Aug 1, 2024 |
| Hurricane Idalia | Aug 27, 2023 |
| Tropical Storm Idalia | Aug 27, 2023 |
| Hurricane Nicole | Nov 7, 2022 |
| Tropical Storm Nicole | Nov 7, 2022 |
| Hurricane Ian | Sep 23, 2022 |
Weather and water disasters only; most recent first. Source: OpenFEMA Disaster Declarations.
115 since 1996: 11 flash floods, 39 river or area floods and 35 coastal floods or surges.
| Event | Date | Damage |
|---|---|---|
| Coastal Flood | Sep 30, 2025 | — |
| Coastal Flood | Oct 11, 2025 | — |
| Coastal Flood | Sep 9, 2025 | — |
| Coastal Flood | Oct 9, 2025 | — |
| Coastal Flood | Oct 1, 2025 | — |
| Tropical Storm | Sep 26, 2024 | — |
| Coastal Flood | Sep 16, 2024 | — |
| Hurricane (Typhoon) | Oct 9, 2024 | — |
— = no damage estimate in the record. Source: NOAA Storm Events Database.
Coastal Flood · Sep 30, 2025. An extended duration nor'easter developed on September 30th and continued through October 6th. This event produced an extended period onshore flow combined with a period of high astronomical tides (spring or neap tides). The higher-than-normal tides combined with storm surge with the local nor'easter produced minor to moderate tidal flooding daily around high tides. The more impacted tidal flooding locations inclu…
Coastal Flood · Oct 11, 2025. An extended duration local nor'easter wind event developed October 9th and persisted through the 12th between high pressure wedging down the SE US coast and a sharpening coastal trough axis over the local coastal waters. Gusty winds of 40-51 mph impacted coastal areas, with the strongest winds from 10/9 in the afternoon through 10/10 in the evening along the Duval county coast of 51 mph. Tidal flooding reached mod…
Coastal Flood · Sep 9, 2025. Persistent onshore (northeasterly) winds along the local coast for several days created a local nor'easter which produced gusty coastal winds around 40 mph at times, waves of showers and isolated storms, rough surf, frequent rip currents and coastal / tidal flooding impacts around high tides at the northeast Florida coast, Intracoastal Waterway and the St. Johns River basin.
Coastal Flood · Oct 9, 2025. An extended duration local nor'easter wind event developed October 9th and persisted through the 12th between high pressure wedging down the SE US coast and a sharpening coastal trough axis over the local coastal waters. Gusty winds of 40-51 mph impacted coastal areas, with the strongest winds from 10/9 in the afternoon through 10/10 in the evening along the Duval county coast of 51 mph. Tidal flooding reached mod…
National Weather Service narratives, lightly trimmed. Source: NOAA Storm Events Database.
Every colour on the map above is a place on this drawing: where the ground sits relative to the flood FEMA plans for.
If a building in Flagler County is in a high-risk zone (A or V) and its mortgage comes from a federally regulated or insured lender, or is federally backed, flood insurance is required.
Outside those zones it is optional, and often worth having: from 2014 to 2024 nearly one-third of NFIP claims came from outside the high-risk Special Flood Hazard Area. Since Risk Rating 2.0, NFIP premiums are set for each building, so the only reliable price is a quote: FloodSmart.gov or a local agent.