Flood history · Vernon, FL 32462
Flood insurance claims in Vernon, FL 32462
67 claims since 1990 and $825,774 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 32462 since 1978.
What the record says
79% of claims were on properties in high-risk zones and 21% outside them.
Losses are spread across many events; the largest, Tropical Storm Alberto, accounts for 16% of claims.
7 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 |
|---|---|---|---|
| Tropical Storm Alberto | 1994 | 11 | 16% |
| Hurricane Sally | 2020 | 5 | 7% |
| Hurricane Georges (Panhandle) | 1998 | 4 | 6% |
| Unnamed flooding | 1990 | 2 | 3% |
| Tropical Storm Fred | 2021 | 1 | 1% |
| Hurricane Opal | 1995 | 1 | 1% |
Flood zone at time of claim
NFIP communities
Federal disaster declarations in Washington County
Flood, hurricane and storm declarations since 2000.
25 flood, storm or hurricane declarations for Washington County since 2000.
Check a specific address in Vernon.
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.