Flood history · Palm Harbor, FL 34685
Flood insurance claims in Palm Harbor, FL 34685
71 claims since 1981 and $1.4 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 34685 since 1978.
What the record says
About 54% 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, Hurricane Milton, accounts for 24% of claims.
Flooding here is recent: 27 claims (38%) 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.
Pinellas County * takes part in FEMA's Community Rating System (class 2), which can lower flood insurance premiums by up to 40% in high-risk zones.
Biggest flood events
| Event | Year | Claims | Share |
|---|---|---|---|
| Hurricane Milton | 2024 | 17 | 24% |
| Tropical Storm Debby | 2012 | 8 | 11% |
| Unnamed flooding | 1988 | 4 | 6% |
| Hurricane Frances | 2004 | 4 | 6% |
| Hurricane Helene | 2024 | 2 | 3% |
| Hurricane Irma | 2017 | 2 | 3% |
Flood zone at time of claim
NFIP communities
Federal disaster declarations in Pinellas County
Flood, hurricane and storm declarations since 2000.
25 flood, storm or hurricane declarations for Pinellas County since 2000.
Check a specific address in Palm Harbor.
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.