Flood history · Arcadia, FL 34266
Flood insurance claims in Arcadia, FL 34266
270 claims since 1992 and $10.4 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 34266 since 1978.
What the record says
88% of claims were on properties in high-risk zones and 12% outside them.
Losses are spread across many events; the largest, Hurricane Ian, accounts for 39% of claims.
Flooding here is recent: 156 claims (58%) were 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.
Biggest flood events
| Event | Year | Claims | Share |
|---|---|---|---|
| Hurricane Ian | 2022 | 105 | 39% |
| Hurricane Irma | 2017 | 43 | 16% |
| Torrential rain | 2001 | 32 | 12% |
| Hurricane Frances | 2004 | 21 | 8% |
| Hurricane Charley | 2004 | 15 | 6% |
| Hurricane Jeanne | 2004 | 5 | 2% |
Flood zone at time of claim
NFIP communities
Federal disaster declarations in DeSoto County
Flood, hurricane and storm declarations since 2000.
23 flood, storm or hurricane declarations for DeSoto County since 2000.
Check a specific address in Arcadia.
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.