Flood history · Ormond Beach, FL 32176
Flood insurance claims in Ormond Beach, FL 32176
592 claims since 1979 and $10.5 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 32176 since 1978.
What the record says
About 88% of claims here were on properties rated outside high-risk zones (zones X, B or C). A lower-risk zone on the map is not a guarantee.
Losses are spread across many events; the largest, Hurricane Milton, accounts for 10% of claims.
173 claims were filed in the last 10 years.
The most commonly recorded cause is heavy rain or snowmelt collecting faster than it drains, which can happen far from any river or coast.
Ormond Beach, City Of 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 Milton | 2024 | 60 | 10% |
| Low pressure system | 2009 | 52 | 9% |
| Hurricane Irma | 2017 | 43 | 7% |
| Hurricane Matthew | 2016 | 43 | 7% |
| Hurricane Ian | 2022 | 39 | 7% |
| Hurricane Frances | 2004 | 37 | 6% |
Flood zone at time of claim
NFIP communities
Federal disaster declarations in Volusia County
Flood, hurricane and storm declarations since 2000.
27 flood, storm or hurricane declarations for Volusia County since 2000.
Check a specific address in Ormond Beach.
ZIP-level history is the backdrop. See the official FEMA flood zone, ground elevation and next steps for one property, free.
Nearby Florida ZIP codes
Ormond Beach
919 claims · $27.9 million paid
32117Daytona Beach
664 claims · $24.0 million paid
32118Daytona Beach
606 claims · $15.3 million paid
32114Daytona Beach
1,552 claims · $103.8 million paid
32119Daytona Beach
1,702 claims · $108.1 million paid
32136Flagler Beach
1,443 claims · $70.0 million paid
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.