Flood history · Saint Cloud, FL 34771
Flood insurance claims in Saint Cloud, FL 34771
75 claims since 1987 and $562,939 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 34771 since 1978.
What the record says
Almost all claims here (92%) were on properties in high-risk zones (A or V). In those zones, federally regulated lenders require flood insurance.
Losses are spread across many events; the largest, Hurricane Ian, accounts for 23% of claims.
Flooding here is recent: 42 claims (56%) 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.
Osceola 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 Ian | 2022 | 17 | 23% |
| Hurricane Irma | 2017 | 16 | 21% |
| Hurricane Frances | 2004 | 7 | 9% |
| Hurricane Jeanne | 2004 | 7 | 9% |
| Hurricane Charley | 2004 | 5 | 7% |
| Tropical Storm Fay | 2008 | 2 | 3% |
Flood zone at time of claim
NFIP communities
Federal disaster declarations in Osceola County
Flood, hurricane and storm declarations since 2000.
25 flood, storm or hurricane declarations for Osceola County since 2000.
Check a specific address in Saint Cloud.
ZIP-level history is the backdrop. See the official FEMA flood zone, ground elevation and next steps for one property, free.
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.