12,577 flood insurance claims·$581.4M paid·13 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 Volusia 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.
Volusia County experiences a flood risk profile dominated by tropical storms and flash flooding, with 17 tropical storms, 15 flash flood events, and 12 general flood events recorded over the last 30 years. Recent impacts are exemplified by October 2024, when Hurricane Milton crossed central Florida, and October 2025, when locally heavy rainfall entered several homes to cause minor damage alongside coastal flooding and high astronomical tides.
National Flood Insurance Program records indicate that flood risks extend across multiple zones, with high claims volumes and severity in both designated high-risk and moderate-to-low-risk areas. Zone A accounts for 7,689 claims with an average payout of $64,844 and an average recorded water depth of 8 inches, while Zone X accounts for 3,938 claims with an average payout of $56,927 and an average recorded water depth of 13 inches. Zone V properties face the highest average water depths at 23 inches, with 195 claims averaging $81,176. Shaded and unshaded Zone X designations recorded lower averages, including 534 claims in unshaded Zone X averaging $12,367 with a 2-inch average water depth.
Coastal property owners, residents in Zone V and Zone A, and homeowners in Zone X areas with significant historical water depths should pay the closest attention to flood risk and mitigation.
Summary written from NOAA storm reports and NFIP claims for this county. Not a prediction.
9% of Volusia County’s flood insurance claims were on properties rated outside FEMA’s high-risk zones.
8,619 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 9 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 2022, with 4,067 claims and $270.2M paid, the year of Hurricane Ian and Hurricane Nicole.
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.
43 NOAA storm reports from Volusia County describe what happened, in the words of the forecasters who covered it. Read the Florida flood stories →
44 federal disaster declarations since 1977, 13 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.
61 since 1996: 15 flash floods, 12 river or area floods and 10 coastal floods or surges.
| Event | Date | Damage |
|---|---|---|
| Flash Flood | Oct 10, 2025 | $453,000 |
| Coastal Flood | Oct 10, 2025 | $100,000 |
| Tropical Storm | Sep 26, 2024 | — |
| Flash Flood | Sep 14, 2024 | — |
| Flash Flood | Oct 9, 2024 | — |
| Tropical Storm | Oct 9, 2024 | — |
| Tropical Storm | Oct 9, 2024 | $27.0M · 4 killed |
| Flood | Oct 9, 2024 | $240.0M |
— = no damage estimate in the record. Source: NOAA Storm Events Database.
Flash Flood · Oct 10, 2025. Locally heavy rainfall entered several homes in Volusia County, causing minor damage, and led to road closures in Palm Bay in Brevard County, while high astronomical tides and coastal flooding led to damage at the shoreline.
Coastal Flood · Oct 10, 2025. Locally heavy rainfall entered several homes in Volusia County, causing minor damage, and led to road closures in Palm Bay in Brevard County, while high astronomical tides and coastal flooding led to damage at the shoreline.
Tropical Storm · Sep 26, 2024. Major Hurricane Helene paralleled the west coast of Florida about 100 miles offshore before making landfall in the Big Bend region of Florida near the city of Perry. The system's expansive wind field within its eastern periphery produced a period of tropical storm conditions, particularly in gusts, across much of east central Florida including its adjacent coastal waters. Peak wind gusts ranged between 45 - 55 mph…
Flash Flood · Sep 14, 2024. Heavy rainfall led to flash flooding, with water in homes, in Edgewater.
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 Volusia 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.