Flood history · Valparaiso, FL 32580
Flood insurance claims in Valparaiso, FL 32580
90 claims since 1990 and $1.5 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 32580 since 1978.
What the record says
78% of claims were on properties in high-risk zones and 22% outside them.
One event dominates the record: Hurricane Opal accounts for 53% of all claims in this ZIP code.
2 claims were filed in the last 10 years.
The most commonly recorded cause is tidal water overflow: coastal surge and high tides.
Biggest flood events
| Event | Year | Claims | Share |
|---|---|---|---|
| Hurricane Opal | 1995 | 48 | 53% |
| Hurricane Ivan | 2004 | 26 | 29% |
| Hurricane Georges (Panhandle) | 1998 | 6 | 7% |
| Mid-spring storms | 2014 | 2 | 2% |
| Hurricane Sally | 2020 | 1 | 1% |
| Hurricane Jeanne | 2004 | 1 | 1% |
Flood zone at time of claim
NFIP communities
Federal disaster declarations in Okaloosa County
Flood, hurricane and storm declarations since 2000.
26 flood, storm or hurricane declarations for Okaloosa County since 2000.
Check a specific address in Valparaiso.
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.