Flood history · West Palm Beach, FL 33403
Flood insurance claims in West Palm Beach, FL 33403
107 claims since 1979 and $667,720 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 33403 since 1978.
What the record says
About 30% 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, Tropical Storm Fay, accounts for 23% of claims.
5 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.
Palm Beach 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 |
|---|---|---|---|
| Tropical Storm Fay | 2008 | 25 | 23% |
| Hurricane Frances | 2004 | 17 | 16% |
| Unnamed flooding | 1979 | 7 | 7% |
| Hurricane Irene | 1999 | 7 | 7% |
| Hurricane Jeanne | 2004 | 6 | 6% |
| Hurricane Irma | 2017 | 4 | 4% |
Flood zone at time of claim
NFIP communities
Federal disaster declarations in Palm Beach County
Flood, hurricane and storm declarations since 2000.
22 flood, storm or hurricane declarations for Palm Beach County since 2000.
Check a specific address in West Palm 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
West Palm Beach
351 claims · $2.5 million paid
33408North Palm Beach
272 claims · $1.3 million paid
33407West Palm Beach
84 claims · $387,305 paid
33410Palm Beach Gardens
405 claims · $3.1 million paid
33418Palm Beach Gardens
273 claims · $1.4 million paid
33401West Palm Beach
178 claims · $1.8 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.