2026 Rankings

ZIP Codes with Highest Flood Risk in Florida — 2026

Last updated: June 4, 2026

1,326 ZIP codes ranked by Flood Claims #1: ZIP 33908 (Fort Myers, FL) — 8,397 claims
Lead Violations Lowest Score Safest Flood Risk Energy Cost Radon PFAS Reliability EJ Index Homebuyer Risk CO & Gas Safest Gas Remediation Burden Unresolved Violations (by Utility) Water Equity (by Utility)

Out of 1,326 ZIP codes with data in Florida, these are the highest-ranked areas for flood claims. See also: National ZIP Codes with Highest Flood Risk | All Florida Rankings

Statistic Value
ZIP codes ranked 1,326
Highest value 8,397 claims
Median value 47 claims
State Florida

Top 100 Worst ZIP Codes

Rank ZIP Code City State Flood Claims Safety Score
1 33908 Fort Myers FL 8,397 claims 69/100
2 33040 Key West FL 8,235 claims 61/100
3 33703 Saint Petersburg FL 7,742 claims 40/100
4 33931 Fort Myers Beach FL 7,641 claims 75/100
5 33708 Saint Petersburg FL 7,623 claims 40/100
6 32561 Gulf Breeze FL 7,463 claims 73/100
7 33706 Saint Petersburg FL 7,272 claims 40/100
8 33957 Sanibel FL 7,028 claims 50/100
9 32507 Pensacola FL 5,669 claims 61/100
10 33050 Marathon FL 5,287 claims 50/100
11 33042 Summerland Key FL 5,022 claims 40/100
12 34667 Hudson FL 4,685 claims 61/100
13 34242 Sarasota FL 4,454 claims 72/100
14 33177 Miami FL 3,779 claims 49/100
15 34652 New Port Richey FL 3,747 claims 59/100
16 33914 Cape Coral FL 3,662 claims 74/100
17 32541 Destin FL 3,595 claims 67/100
18 33702 Saint Petersburg FL 3,488 claims 40/100
19 33186 Miami FL 3,451 claims 49/100
20 32563 Gulf Breeze FL 3,414 claims 73/100
21 32566 Navarre FL 3,406 claims 64/100
22 32080 Saint Augustine FL 3,388 claims 50/100
23 34223 Englewood FL 3,373 claims 70/100
24 33950 Punta Gorda FL 3,200 claims 66/100
25 34217 Bradenton Beach FL 3,180 claims 40/100
26 34102 Naples FL 3,175 claims 61/100
27 34429 Crystal River FL 3,020 claims 49/100
28 34228 Longboat Key FL 2,916 claims 63/100
29 33904 Cape Coral FL 2,774 claims 74/100
30 34134 Bonita Springs FL 2,711 claims 74/100
31 33615 Tampa FL 2,690 claims 49/100
32 33043 Big Pine Key FL 2,678 claims 40/100
33 33785 Indian Rocks Beach FL 2,667 claims 40/100
34 33629 Tampa FL 2,619 claims 49/100
35 33161 Miami FL 2,611 claims 49/100
36 33037 Key Largo FL 2,565 claims 50/100
37 34607 Spring Hill FL 2,533 claims 61/100
38 33175 Miami FL 2,482 claims 49/100
39 32084 Saint Augustine FL 2,325 claims 50/100
40 32456 Port Saint Joe FL 2,305 claims 50/100
41 34668 Port Richey FL 2,304 claims 61/100
42 33767 Clearwater Beach FL 2,247 claims 40/100
43 33707 Saint Petersburg FL 2,236 claims 40/100
44 32548 Fort Walton Beach FL 2,125 claims 63/100
45 33009 Hallandale FL 2,034 claims 40/100
46 34145 Marco Island FL 2,023 claims 66/100
47 33157 Miami FL 2,003 claims 49/100
48 33917 North Fort Myers FL 1,914 claims 62/100
49 33611 Tampa FL 1,855 claims 49/100
50 33149 Key Biscayne FL 1,832 claims 40/100
51 32583 Milton FL 1,830 claims 61/100
52 34448 Homosassa FL 1,821 claims 49/100
53 33312 Fort Lauderdale FL 1,797 claims 49/100
54 32127 Port Orange FL 1,726 claims 69/100
55 33905 Fort Myers FL 1,717 claims 69/100
56 33919 Fort Myers FL 1,715 claims 69/100
57 33166 Miami FL 1,710 claims 49/100
58 32119 Daytona Beach FL 1,701 claims 71/100
59 34698 Dunedin FL 1,653 claims 61/100
60 32506 Pensacola FL 1,646 claims 61/100
61 32407 Panama City Beach FL 1,637 claims 73/100
62 34103 Naples FL 1,625 claims 61/100
63 34112 Naples FL 1,584 claims 61/100
64 33173 Miami FL 1,574 claims 49/100
65 32114 Daytona Beach FL 1,547 claims 71/100
66 33956 Saint James City FL 1,528 claims 50/100
67 32328 Eastpoint FL 1,525 claims 61/100
68 34108 Naples FL 1,524 claims 61/100
69 33903 North Fort Myers FL 1,512 claims 62/100
70 33036 Islamorada FL 1,509 claims 50/100
71 33606 Tampa FL 1,496 claims 49/100
72 34689 Tarpon Springs FL 1,478 claims 61/100
73 32168 New Smyrna Beach FL 1,473 claims 61/100
74 33024 Hollywood FL 1,460 claims 61/100
75 32136 Flagler Beach FL 1,441 claims 74/100
76 33176 Miami FL 1,432 claims 49/100
77 33311 Fort Lauderdale FL 1,430 claims 49/100
78 33924 Captiva FL 1,426 claims 75/100
79 34428 Crystal River FL 1,422 claims 49/100
80 33133 Miami FL 1,417 claims 49/100
81 33315 Fort Lauderdale FL 1,401 claims 49/100
82 33156 Miami FL 1,400 claims 49/100
83 32408 Panama City FL 1,396 claims 71/100
84 33019 Hollywood FL 1,388 claims 61/100
85 34957 Jensen Beach FL 1,388 claims 67/100
86 34683 Palm Harbor FL 1,381 claims 63/100
87 33952 Port Charlotte FL 1,379 claims 53/100
88 32963 Vero Beach FL 1,375 claims 71/100
89 33319 Fort Lauderdale FL 1,356 claims 49/100
90 33480 Palm Beach FL 1,356 claims 71/100
91 33023 Hollywood FL 1,343 claims 61/100
92 34135 Bonita Springs FL 1,284 claims 74/100
93 33184 Miami FL 1,277 claims 49/100
94 33704 Saint Petersburg FL 1,258 claims 40/100
95 33068 Pompano Beach FL 1,256 claims 74/100
96 33180 Miami FL 1,239 claims 49/100
97 33020 Hollywood FL 1,234 claims 61/100
98 32082 Ponte Vedra Beach FL 1,227 claims 64/100
99 32444 Lynn Haven FL 1,220 claims 63/100
100 32459 Santa Rosa Beach FL 1,218 claims 73/100

Methodology

Flood risk rankings use FEMA National Flood Insurance Program (NFIP) claim data. Total claims reflect historical flood events that resulted in insured property damage. High claim counts indicate areas with recurring flood exposure, which can compromise water infrastructure, introduce contaminant runoff, and damage home systems.

Data sources: EPA Safe Drinking Water Information System (SDWIS), FEMA National Flood Insurance Program, EPA radon zone maps, EIA electricity rates, and Consumer Confidence Reports. Last updated: 2026-06-04.

Frequently Asked Questions

Why does flood history matter for home safety?

Flooding can contaminate drinking water supplies, damage water infrastructure, introduce sewage and chemical runoff, and compromise home foundations and electrical systems. Repeated flooding indicates persistent risk that affects long-term home safety.

Where does the flood data come from?

Flood claim data comes from the FEMA National Flood Insurance Program (NFIP), which tracks all insured flood losses by ZIP code. This includes claims from hurricanes, river flooding, storm surge, and heavy rainfall events.

Explore More Rankings

How this ranking is calculated, data sources, and limitations: Rankings Methodology →

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Disclaimer: Rankings are based on EPA, FEMA, and federal agency data. They reflect historical patterns and risk indicators, not necessarily current conditions. For the most current information, contact your local water utility or request a Consumer Confidence Report.

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