ZIP Code 32003, Clay County, Florida Flood insurance claims (NFIP) on record, by year of loss
This page is a ZIP Code record of past events and claims. It does not show the flood zone or the risk of an address. For the flood map of an address, use FEMA's address search (opens in a new tab).
OpenFEMA has 334 NFIP claims on record for ZIP Code 32003 from 1978 through 8 Sep 2026.
The NFIP paid $17 million on these claims.
The site puts ZIP Code 32003 in Clay County, Florida, because most of its claims have the code of that county.
It is derived from the National Flood Insurance Program system of record, staged in the program's reporting platform and redacted to protect policy holder personally identifiable information.
5-digit Postal Zip Code of the insured property as reported by WYO partners
The words of the agency. Source: FEMA, OpenFEMA Dataset "NFIP Redacted Claims - v3", copied on . The page gives: last data refresh 2026-09-09.
Date of the data: OpenFEMA NFIP claims through .
Claims by year of loss
| Decade | Year that ends in 0 | Year that ends in 1 | Year that ends in 2 | Year that ends in 3 | Year that ends in 4 | Year that ends in 5 | Year that ends in 6 | Year that ends in 7 | Year that ends in 8 | Year that ends in 9 | All |
|---|---|---|---|---|---|---|---|---|---|---|---|
| 1970s | 0 | 0 | 0 | ||||||||
| 1980s | 1 | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 0 | 0 | 2 |
| 1990s | 0 | 1 | 4 | 0 | 1 | 2 | 5 | 0 | 0 | 0 | 13 |
| 2000s | 0 | 6 | 1 | 4 | 38 | 2 | 0 | 10 | 7 | 1 | 69 |
| 2010s | 1 | 0 | 6 | 1 | 1 | 0 | 12 | 208 | 1 | 1 | 231 |
| 2020s | 1 | 0 | 14 | 1 | 2 | 1 | 0 (part of the year) | 19 |
A darker cell has a larger count. The number is in each cell.
| Year of loss | Claims | Claims with a payment | Amount paid |
|---|---|---|---|
| 2025 | 1 | not shown | not shown |
| 2024 | 2 | not shown | not shown |
| 2023 | 1 | not shown | not shown |
| 2022 | 14 | 13 | $643,475 |
| 2020 | 1 | not shown | not shown |
| 2019 | 1 | not shown | not shown |
| 2018 | 1 | not shown | not shown |
| 2017 | 208 | 176 | $14,990,688 |
| 2016 | 12 | not shown | not shown |
| 2014 | 1 | not shown | not shown |
| 2013 | 1 | not shown | not shown |
| 2012 | 6 | not shown | not shown |
| 2010 | 1 | not shown | not shown |
| 2009 | 1 | not shown | not shown |
| 2008 | 7 | 6 | $121,993 |
| 2007 | 10 | 6 | $58,065 |
| 2005 | 2 | not shown | not shown |
| 2004 | 38 | 16 | $620,740 |
| 2003 | 4 | not shown | not shown |
| 2002 | 1 | not shown | not shown |
| 2001 | 6 | not shown | not shown |
| 1996 | 5 | not shown | not shown |
| 1995 | 2 | not shown | not shown |
| 1994 | 1 | not shown | not shown |
| 1992 | 4 | not shown | not shown |
| 1991 | 1 | not shown | not shown |
| 1987 | 1 | not shown | not shown |
| 1980 | 1 | not shown | not shown |
| All years | 334 | 238 | $16,745,841 |
A year with fewer than 5 claims shows the count of claims and no amount. A year with 1 to 4 claims with a payment shows no amount either. Such an amount could point to one property. The amount is the sum of the building, contents and increased cost of compliance payments.
A ZIP Code in the NFIP file is the ZIP Code that the policyholder reports. How FEMA redacts NFIP claims
This dataset is not intended to be an official federal report, and should not be considered an official federal report.
FEMA cannot verify the quality and/or timeliness of any data or any analysis derived therefrom after the data has been retrieved from FEMA.gov.
The county: Clay County
Storm events, disaster declarations and the National Risk Index are records for a county. The page of Clay County has them.
| Measure | ZIP Code 32003 | Clay | All counties of Florida |
|---|---|---|---|
| NFIP claims, 1978 to 2026 | 334 | 1,744 | 447,174 |
| Claims for each 1,000 policies in force, 2016 to 2025 | no figure | 228.7 | 191.4 |
| Flood events on record (NCEI), 1996 to 2026 | no figure | 30 | 3,067 |
The column of the state totals the counties. FEMA gives the policies in force for a county and not for a ZIP Code. The claims have every type of building. FEMA counts residential policies only. NCEI records storm events for a county or a forecast zone.
Official channels
- FEMA Flood Map Service Center: Search By Address (opens in a new tab)Search an address to see its flood map. This site has no flood-zone data.
- FEMA: Flood Maps (opens in a new tab)How FEMA makes and changes flood maps.
These links open the pages of the agencies. The site checked the links on .
Cite this page
County Hazards. "Flood insurance claims on record for ZIP Code 32003". https://countyhazards.com/zip/32003/. Data: FEMA OpenFEMA NFIP claims through 8 Sep 2026. Page made on .
Questions
- Which year of loss has the most NFIP claims in ZIP Code 32003?
- 2017 has 208 claims of the 334 claims on record from 1978 through 8 Sep 2026.
- Does this page show the claims of one property?
- No. FEMA redacts the claims file to protect policy holders. This page shows totals for the ZIP Code.
- How many NFIP claims are on record for Clay County?
- OpenFEMA has 1,744 NFIP claims on record for Clay County from 1978 through 8 Sep 2026. ZIP Code 32003 has 334 of them.
- Is ZIP Code 32003 in one county only?
- A ZIP Code can be in more than one county. The site puts a ZIP Code in the county that most of its claims name.