Florida property risk by county
FEMA counts 997,127 of 6,872,793 residential structures, 15%, in high-risk flood zones across the 63 Florida counties where its count is usable. Hurricane is the largest modelled building loss in 43 of 67 counties.
ZIP code reports in Florida
- Miami-Dade County78 ZIP codes
ZIP reports are being added county by county. Counties without reports are listed below with FEMA's county figures.
All 67 Florida counties
County score compares each county's loss rate with every US county. Select a column to sort.
| Gulf County | 98 | $487 | Hurricane | 41% | 39% |
|---|---|---|---|---|---|
| Indian River County | 98 | $467 | Hurricane | 13% | 52% |
| Citrus County | 96 | $414 | Hurricane | 15% | 39% |
| Monroe County | 96 | $422 | Hurricane | 89% | 61% |
| Hardee County | 95 | $405 | Strong wind | 5% | 15% |
| Bay County | 94 | $369 | Hurricane | 13% | 67% |
| Collier County | 94 | $366 | Hurricane | — | — |
| Dixie County | 94 | $375 | Hurricane | 40% | 14% |
| Holmes County | 94 | $358 | Hurricane | 11% | 8% |
| Washington County | 94 | $355 | Hurricane | 7% | 9% |
| Charlotte County | 93 | $340 | Hurricane | 49% | 58% |
| St. Lucie County | 93 | $340 | Hurricane | 5% | 44% |
| DeSoto County | 92 | $321 | Hurricane | 7% | 32% |
| Martin County | 92 | $323 | Hurricane | 6% | 78% |
| Taylor County | 92 | $336 | Hurricane | 27% | 24% |
| Franklin County | 91 | $302 | Hurricane | 55% | 43% |
| Liberty County | 91 | $299 | Hurricane | 5% | 5% |
| Brevard County | 90 | $295 | Hurricane | 7% | 47% |
| Calhoun County | 90 | $283 | Hurricane | 9% | 11% |
| Lee County | 90 | $283 | Hurricane | 42% | 47% |
| Manatee County | 90 | $283 | Hurricane | 23% | 43% |
| Okeechobee County | 90 | $294 | Inland flooding | 23% | 22% |
| Lafayette County | 89 | $273 | Hurricane | 22% | 17% |
| Santa Rosa County | 89 | $278 | Hurricane | 8% | 67% |
| Sarasota County | 89 | $274 | Hurricane | 20% | 42% |
| Suwannee County | 89 | $274 | Hurricane | 7% | 20% |
| Okaloosa County | 88 | $263 | Hurricane | 6% | 74% |
| Walton County | 88 | $271 | Hurricane | 11% | 70% |
| Escambia County | 87 | $259 | Hurricane | 7% | 62% |
| Madison County | 87 | $261 | Hurricane | 5% | 11% |
| Glades County | 86 | $244 | Inland flooding | 9% | 17% |
| Wakulla County | 86 | $240 | Inland flooding | 24% | 30% |
| Bradford County | 82 | $215 | Hurricane | 12% | 27% |
| Hamilton County | 82 | $214 | Hurricane | 6% | 14% |
| Jackson County | 82 | $220 | Hurricane | 2% | 14% |
| Gilchrist County | 80 | $202 | Inland flooding | 10% | 18% |
| Union County | 80 | $205 | Hurricane | 3% | 29% |
| Hendry County | 78 | $197 | Inland flooding | 9% | 34% |
| Highlands County | 78 | $193 | Hurricane | 4% | 21% |
| Levy County | 78 | $192 | Hurricane | 14% | 29% |
| Putnam County | 77 | $192 | Inland flooding | 11% | 20% |
| Broward County | 76 | $188 | Inland flooding | 19% | 76% |
| Flagler County | 76 | $188 | Hurricane | — | — |
| Jefferson County | 73 | $178 | Hurricane | 5% | 12% |
| Leon County | 73 | $180 | Inland flooding | 3% | 40% |
| Osceola County | 73 | $179 | Inland flooding | 11% | 36% |
| Volusia County | 72 | $175 | Hurricane | 8% | 57% |
| Hernando County | 71 | $173 | Inland flooding | 6% | 54% |
| Miami-Dade County | 68 | $165 | Hurricane | 40% | 74% |
| Palm Beach County | 68 | $165 | Hurricane | 8% | 43% |
| Pasco County | 67 | $164 | Inland flooding | 16% | 47% |
| Sumter County | 67 | $163 | Inland flooding | 4% | 39% |
| Marion County | 66 | $160 | Hurricane | 5% | 22% |
| Polk County | 66 | $162 | Hurricane | 4% | 37% |
| Columbia County | 63 | $154 | Inland flooding | 6% | 27% |
| Gadsden County | 63 | $154 | Inland flooding | 2% | 11% |
| Alachua County | 62 | $152 | Inland flooding | 5% | 18% |
| Hillsborough County | 60 | $150 | Hurricane | 13% | 61% |
| St. Johns County | 58 | $147 | Inland flooding | — | — |
| Clay County | 57 | $145 | Inland flooding | 4% | 48% |
| Pinellas County | 53 | $139 | Hurricane | — | — |
| Nassau County | 46 | $128 | Inland flooding | 9% | 61% |
| Seminole County | 44 | $126 | Inland flooding | 3% | 47% |
| Orange County | 43 | $125 | Inland flooding | 2% | 44% |
| Duval County | 40 | $121 | Inland flooding | 3% | 60% |
| Lake County | 40 | $121 | Inland flooding | 5% | 24% |
| Baker County | 36 | $117 | Inland flooding | 5% | 21% |
Sources: FEMA National Risk Index v1.20 (December 2025), county building loss rates ranked against 3,200+ US counties and county equivalents; FEMA NFIP residential penetration rates as of August 3, 2026. A dash means FEMA's table gives no usable count: in a few counties it lists more insured high-risk homes than high-risk homes, so we do not show those shares. Largest hazards across the state: Hurricane (43 counties), Inland flooding (23 counties), Strong wind (1 counties).
Rules every Florida buyer meets
Sellers of residential property in Florida must hand buyers a flood disclosure form at or before the contract, covering past flood insurance claims and federal flood aid (Fla. Stat. 689.302). Florida's flood disclosure law
Insurers must offer premium discounts for wind-resistant construction, which a wind mitigation inspection documents (Fla. Stat. 627.0629). Wind mitigation and premiums
Federal rules apply as everywhere: flood insurance is required on buildings in the Special Flood Hazard Area with a federally backed or regulated mortgage. When flood insurance is required