Flood history · Wilmington, DE 19804
Flood insurance claims in Wilmington, DE 19804
318 claims since 1978 and $11.4 million paid. Here's what the public record shows, and how to check a specific address.
Claims by year
Every NFIP flood insurance claim reported in ZIP 19804 since 1978.
What the record says
84% of claims were on properties in high-risk zones and 16% outside them.
Losses are spread across many events; the largest, Hurricane Floyd, accounts for 25% of claims.
No claims were recorded in the last 10 years. Older floods still show what the area can do.
The most commonly recorded cause is rivers, streams or lakes overflowing.
New Castle County * takes part in FEMA's Community Rating System (class 5), which can lower flood insurance premiums by up to 25% in high-risk zones.
Biggest flood events
| Event | Year | Claims | Share |
|---|---|---|---|
| Hurricane Floyd | 1999 | 78 | 25% |
| Hurricane Irene | 2011 | 19 | 6% |
| Hurricane Isabel | 2003 | 11 | 3% |
| Mid-spring storms | 2014 | 4 | 1% |
Flood zone at time of claim
NFIP communities
Federal disaster declarations in New Castle County
Flood, hurricane and storm declarations since 2000.
9 flood, storm or hurricane declarations for New Castle County since 2000.
Check a specific address in Wilmington.
ZIP-level history is the backdrop. See the official FEMA flood zone, ground elevation and next steps for one property, free.
Sources: FEMA OpenFEMA NFIP Redacted Claims (v3) and Disaster Declarations Summaries, FEMA NFIP Community Status Book; place names from GeoNames (CC BY 4.0). Data as of 2026-10-09. Payments are net building + contents payments in dollars at the time paid, not adjusted for inflation. Claims are grouped by the ZIP code reported on the claim. This product uses the FEMA OpenFEMA API but is not endorsed by FEMA. Information only; not an official flood zone determination or insurance advice.