Flood history · Rosemary Beach, FL 32461
Flood insurance claims in Rosemary Beach, FL 32461
82 claims since 1988 and $800,332 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 32461 since 1978.
What the record says
About 94% 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 Opal, accounts for 30% of claims.
9 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.
Walton County * takes part in FEMA's Community Rating System (class 6), which can lower flood insurance premiums by up to 20% in high-risk zones.
Biggest flood events
| Event | Year | Claims | Share |
|---|---|---|---|
| Hurricane Opal | 1995 | 25 | 30% |
| Hurricane Ivan | 2004 | 13 | 16% |
| Hurricane Dennis | 2005 | 11 | 13% |
| Hurricane Georges (Panhandle) | 1998 | 6 | 7% |
| Hurricane Sally | 2020 | 4 | 5% |
| Tropical Storm Barry | 2001 | 3 | 4% |
Flood zone at time of claim
NFIP communities
Federal disaster declarations in Walton County
Flood, hurricane and storm declarations since 2000.
24 flood, storm or hurricane declarations for Walton County since 2000.
Check a specific address in Rosemary 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
Panama City Beach
1,058 claims · $50.3 million paid
32459Santa Rosa Beach
1,218 claims · $27.2 million paid
32407Panama City Beach
1,637 claims · $47.6 million paid
32439Freeport
335 claims · $5.8 million paid
32550Miramar Beach
1,040 claims · $27.5 million paid
32409Panama City
191 claims · $3.5 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.