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    Florida Flood History

    Archive of documented major flood events in Florida since 2000. Historical context helps explain current flood risk patterns and insurance requirements.

    Total Major Events
    8
    Since 2000
    Total NFIP Claims Paid
    $6.4B
    Flood insurance payouts

    Major Events Timeline

    🌀
    Hurricane Ian
    September 28, 2022

    Category 4 hurricane. $112B+ in damages. Widespread flooding, storm surge 8-12 feet in Southwest FL.

    Collier
    Lee
    Charlotte
    Sarasota
    Orange
    +1
    Severity
    $2.1B insured
    🌀
    Hurricane Laura
    August 27, 2020

    Category 4 near Louisiana. FL impacts: storm surge, heavy rain. $6B+ total damages.

    Miami-Dade
    Broward
    Palm Beach
    Severity
    $0.2B insured
    ⛈️
    Tropical Storm Fay
    July 23, 2020

    Slow-moving system. Heavy rainfall (7-8 inches). Widespread street flooding.

    Miami-Dade
    Broward
    Palm Beach
    Brevard
    Severity
    $0.1B insured
    🌀
    Hurricane Florence (FL impacts)
    September 10, 2018

    Made landfall in Carolinas. FL received heavy rain, some coastal flooding.

    Brevard
    Indian River
    Severity
    $0.0B insured
    🌀
    Hurricane Irma
    September 10, 2017

    Category 4 at landfall. Statewide flooding. $50B+ in damages. Record storm surge in Keys.

    All 67 counties
    Severity
    $1.2B insured
    🌀
    Hurricane Matthew
    October 7, 2016

    Category 4. East Coast impacts. Storm surge, beach erosion, inland flooding. $15B+ in damages.

    Brevard
    Indian River
    St. Lucie
    Martin
    Palm Beach
    +2
    Severity
    $0.8B insured
    🌀
    Hurricane Wilma
    October 24, 2005

    Category 3. Rapid intensification. Storm surge, inland flooding. $20.6B in damages.

    Miami-Dade
    Broward
    Palm Beach
    Monroe
    Severity
    $1.1B insured
    🌀
    Hurricane Charley
    August 13, 2004

    Category 4. Southwest Florida landfall. Rapid intensification. $15B+ in damages.

    Charlotte
    Lee
    Collier
    Polk
    Orange
    Severity
    $0.9B insured

    What This Means

    Flood Risk Patterns

    Certain areas (Southwest FL, Southeast FL) have been hit multiple times. Historical frequency predicts future risk.

    Hurricane Frequency

    Florida experiences a major hurricane roughly every 2–3 years on average. Storm surge is a primary flooding mechanism.

    Insurance Cost Drivers

    NFIP has paid $10B+ in FL claims since 2000. Insurers use this data to price flood policies and set risk premiums.

    Property Value Impact

    Properties in areas with repeated flooding history have lower resale values and higher insurance costs.