Updated April 2026
Flood Risk in Florida
Florida has 68 counties with flood risk data, 9.8K total NFIP flood insurance claims, and an average risk score of 23 out of 100.
68
Counties
9.8K
NFIP Claims
$746,312,525
Total Payouts
23
Avg Risk Score
Grade Distribution
A
40
counties
B
26
counties
C
2
counties
D
0
counties
F
0
counties
Riskiest in Florida
| County | Grade | Score |
|---|---|---|
| Lee | C | 57 |
| Pinellas | C | 53 |
| Collier | B | 39 |
| Hillsborough | B | 37 |
| Sarasota | B | 35 |
Safest in Florida
| County | Grade | Score |
|---|---|---|
| Duval | A | 15 |
| Bradford | A | 16 |
| Orange | A | 16 |
| Union | A | 16 |
| Big Cypress Indian Reservation | A | 16 |
All 68 Counties in Florida
Sorted by flood risk score, highest to lowest.
| # | County | Grade | Score | Claims | Payouts | Disasters |
|---|---|---|---|---|---|---|
| 1 | Lee | C | 57 | 1.9K | $169,263,095 | 23 |
| 2 | Pinellas | C | 53 | 1.5K | $181,830,078 | 22 |
| 3 | Collier | B | 39 | 646 | $57,651,515 | 26 |
| 4 | Hillsborough | B | 37 | 640 | $55,879,365 | 23 |
| 5 | Sarasota | B | 35 | 470 | $37,724,881 | 25 |
| 6 | Manatee | B | 34 | 351 | $28,336,101 | 27 |
| 7 | Volusia | B | 33 | 441 | $29,511,423 | 22 |
| 8 | Bay | B | 33 | 159 | $9,015,351 | 30 |
| 9 | Charlotte | B | 32 | 439 | $20,416,711 | 21 |
| 10 | Pasco | B | 32 | 304 | $24,706,130 | 23 |
| 11 | Escambia | B | 32 | 130 | $5,470,687 | 28 |
| 12 | Broward | B | 31 | 418 | $16,888,092 | 26 |
| 13 | Okaloosa | B | 31 | 25 | $961,031 | 29 |
| 14 | Santa Rosa | B | 31 | 70 | $1,317,647 | 29 |
| 15 | Dixie | B | 28 | 12 | $609,811 | 24 |
| 16 | Osceola | B | 27 | 33 | $1,249,070 | 21 |
| 17 | Martin | B | 26 | 9 | $164,053 | 26 |
| 18 | Seminole | B | 26 | 49 | $2,136,618 | 20 |
| 19 | Clay | B | 25 | 39 | $2,599,147 | 18 |
| 20 | Polk | B | 25 | 53 | $2,009,382 | 18 |
| 21 | Franklin | B | 24 | 49 | $1,049,119 | 30 |
| 22 | Gulf | B | 24 | 44 | $3,451,642 | 30 |
| 23 | Walton | B | 24 | 13 | $152,712 | 26 |
| 24 | Citrus | B | 22 | 199 | $15,785,131 | 21 |
| 25 | Leon | B | 22 | 6 | $117,717 | 20 |
| 26 | Hernando | B | 21 | 78 | $4,956,357 | 21 |
| 27 | St. Lucie | B | 21 | 17 | $392,779 | 25 |
| 28 | Wakulla | B | 21 | 10 | $297,306 | 26 |
| 29 | Calhoun | A | 20 | 0 | $0 | 24 |
| 30 | Gadsden | A | 20 | 0 | $0 | 24 |
| 31 | Holmes | A | 20 | 2 | $172,808 | 24 |
| 32 | Levy | A | 20 | 30 | $3,206,846 | 23 |
| 33 | Liberty | A | 20 | 0 | $0 | 24 |
| 34 | Taylor | A | 20 | 13 | $1,906,379 | 22 |
| 35 | Washington | A | 20 | 1 | $468 | 24 |
| 36 | Flagler | A | 20 | 78 | $3,657,236 | 23 |
| 37 | Lake | A | 20 | 17 | $375,319 | 17 |
| 38 | Monroe | A | 20 | 428 | $18,021,322 | 27 |
| 39 | Jackson | A | 19 | 2 | $3,700 | 21 |
| 40 | Jefferson | A | 19 | 0 | $0 | 22 |
| 41 | Miami-Dade | A | 19 | 392 | $14,297,205 | 23 |
| 42 | Nassau | A | 19 | 21 | $578,360 | 21 |
| 43 | Putnam | A | 19 | 24 | $726,908 | 20 |
| 44 | DeSoto | A | 18 | 16 | $1,398,185 | 20 |
| 45 | Gilchrist | A | 18 | 2 | $13,122 | 19 |
| 46 | Glades | A | 18 | 1 | $0 | 20 |
| 47 | Hendry | A | 18 | 1 | $0 | 20 |
| 48 | Highlands | A | 18 | 5 | $53,300 | 20 |
| 49 | Marion | A | 18 | 7 | $562,606 | 19 |
| 50 | Okeechobee | A | 18 | 2 | $0 | 19 |
| 51 | Suwannee | A | 18 | 6 | $406,109 | 20 |
| 52 | St. Johns | A | 18 | 339 | $13,793,423 | 22 |
| 53 | Baker | A | 17 | 2 | $77,525 | 18 |
| 54 | Columbia | A | 17 | 4 | $90,706 | 18 |
| 55 | Alachua | A | 17 | 8 | $549,148 | 17 |
| 56 | Hamilton | A | 17 | 0 | $0 | 17 |
| 57 | Hardee | A | 17 | 4 | $286,438 | 17 |
| 58 | Indian River | A | 17 | 15 | $549,092 | 22 |
| 59 | Lafayette | A | 17 | 0 | $0 | 18 |
| 60 | Madison | A | 17 | 0 | $0 | 18 |
| 61 | Palm Beach | A | 17 | 54 | $390,145 | 26 |
| 62 | Sumter | A | 17 | 4 | $35,116 | 17 |
| 63 | Brevard | A | 17 | 79 | $1,363,692 | 25 |
| 64 | Bradford | A | 16 | 5 | $240,730 | 16 |
| 65 | Orange | A | 16 | 57 | $1,934,080 | 20 |
| 66 | Union | A | 16 | 1 | $4,424 | 16 |
| 67 | Big Cypress Indian Reservation | A | 16 | 0 | $0 | 16 |
| 68 | Duval | A | 15 | 145 | $7,675,182 | 22 |