Flood history · Navarre, FL 32566
Flood insurance claims in Navarre, FL 32566
3,406 claims since 1979 and $125.2 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 32566 since 1978.
What the record says
86% of claims were on properties in high-risk zones and 14% outside them.
Losses are spread across many events; the largest, Hurricane Ivan, accounts for 36% of claims.
408 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.
Santa Rosa 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 Ivan | 2004 | 1,235 | 36% |
| Hurricane Opal | 1995 | 693 | 20% |
| Hurricane Dennis | 2005 | 526 | 15% |
| Hurricane Sally | 2020 | 379 | 11% |
| Hurricane Georges (Panhandle) | 1998 | 116 | 3% |
| Mid-spring storms | 2014 | 78 | 2% |
Flood zone at time of claim
NFIP communities
Federal disaster declarations in Santa Rosa County
Flood, hurricane and storm declarations since 2000.
27 flood, storm or hurricane declarations for Santa Rosa County since 2000.
Check a specific address in Navarre.
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
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.