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FloodFL

Florida Flood Hazard Profile

Hazard Data · Model Version 2.5

Overview

Florida has more NFIP policies in force than any other US state, reflecting its low elevation, high water table, and tropical rainfall exposure. FEMA flood zone mapping shows extensive Special Flood Hazard Areas (SFHAs) along both coastlines and in interior drainage basins. Storm surge flooding from tropical cyclones compounds rainfall-driven inland flood risk.

In the Historical Record

16
federal disaster declarations (1953–2023)
FEMA OpenFEMA Disaster Declarations
447,683
NFIP flood insurance claims paid
FEMA OpenFEMA NfipClaims, 1978–2024

Counted from the records this platform holds. A figure is shown only where the underlying dataset could be read.

County by County in Florida

What federal records show has happened in each county: storms, disaster declarations and flood insurance claims. The counties below have the longest NOAA storm records in Florida.

All Florida counties

Notable Historical Events

12022 Hurricane Ian storm surge — 12-18 ft surge in Lee County
22017 Hurricane Irma — widespread inland flooding across South Florida
32020 Tropical Storm Eta — urban flooding across Miami-Dade County

Hazard Scoring Approach

Calchis computes a Calchis Hazard Score (0–10) for flood hazard at any US address. The score is composed of weighted sub-components derived from federal data sources and published research. All score components are transparent and returned in API responses.

These are hazard scores — physical intensity likelihood only. They do not include property exposure or vulnerability data. We never call a hazard score a risk score. See the full methodology for scoring details.

Analyze Your Address

Enter any Florida address to see location-specific flood hazard scoring with full methodology transparency.

Open Live Map — Florida

Data Sources

FEMA National Flood Hazard Layerwww.fema.gov
NOAA NWPS River Gaugeswater.noaa.gov
FEMA NFIP Policy Statisticswww.fema.gov

Related

Monitoring flood exposure in Florida?

This page is a state-level profile. Calchis scores individual addresses, tracks live flood events against your own locations, and alerts you when one approaches them.

Free includes Live map + 3 triggers + 10 bond positions. Analyst is $149/mo for 1,000-location portfolios, ep curves, predictions, parametric triggers.

Calchis Hazard Score — derived from federal and academic sources listed above. Property exposure data not included. Not a substitute for professional actuarial assessment. Decision-support intelligence — not a primary alerting or dispatch system. Verify against official sources.