Data · Florida

Florida storm damage and disaster statistics

Compiled from NOAA and FEMA data, November 10, 2026 How the figures are built

In short

From 2016 to 2025 the National Weather Service logged 11,638 storm event reports in Florida, with property damage estimates totalling $42 billion. That is the 2nd highest of the 50 states and D.C.

Damaging wind was reported most often (4,641 reports). Hurricane and tropical storm accounted for the most reported damage ($38 billion). FEMA has issued 44 major disaster declarations for Florida since 2000.

11,638

storm event reports, 2016–2025

$42B

property damage estimated in those reports

major disaster declarations since 2000

900

hail reports, 42 of two inches or larger

558

tornado reports, 48 rated EF2 or stronger

$6.8B

home damage verified by FEMA inspectors since 2002

Reported storm damage in Florida, year by year

Property damage estimated in National Weather Service storm reports for Florida. Not insured losses, and not adjusted for inflation.

Largest single damage estimate

$7.0 billion

Hurricane (Typhoon), Coastal Lee, 2022. Large events are recorded county by county, so one disaster can appear as several entries.

A quiet year on this chart can mean few damaging storms, or storms whose reports carried no damage estimate.

What hits Florida: reports and damage by type

Damaging wind 4,641
Flood 1,729
Hurricane and tropical storm 1,160
Hail 900
Tornado 558
Lightning 380
Winter weather 146
Wildfire 104

Storm event reports by type, 2016 to 2025.

Hurricane and tropical storm $38B
Flood $2.1B
Tornado $1.0B
Wildfire $110M
Damaging wind $24.8M
Lightning $11.3M
Winter weather $1.4M
Hail $565K

Property damage estimated in those reports, 2016 to 2025.

Federal disasters in Florida

FEMA has recorded 44 major disaster declarations, 28 emergency declarations and 39 fire management declarations for Florida since 2000.

The most recent major disaster declaration in this data is Hurricane Isaias (hurricane), declared October 27, 2026.

Some states change their rules on public adjuster fees and contracts after a declared disaster. See what a declaration changes.

Hurricane 24
Severe Storm 14
Biological 2
Tropical Storm 1
Flood 1
Coastal Storm 1
Freezing 1

Major disaster declarations by cause since 2000.

Home damage FEMA has verified in Florida

After a declared disaster, homeowners can register with FEMA and have their home inspected. These are the totals for Florida since 2003.

4,011,772

homeowners registered, across 39 disasters

$6.8B

damage verified by FEMA inspectors

$4.2B

individual assistance FEMA approved for those owners

1,804,438

homes inspected

30,038

inspections that found more than $30,000 of damage

$3,751

average verified damage per inspected home

FEMA assistance is not insurance and is capped. It measures damage against its own habitability standard, and it counts only owners who registered and were inspected.

Official insurance claim figures for Florida

What insurers and regulators have reported for Florida. Unlike the storm estimates above, these are insurance figures.

2,914

Number of licensed public adjusters in Florida. · As of June 2009

Read with care: Historic figure. OPPAGA counted only public adjusters qualified for property and casualty claims.

Florida Legislature, Office of Program Policy Analysis and Government Accountability (OPPAGA), Page 2 (show the source wording)
The source says
“As of June 2009, Florida had 2,914 licensed public adjusters, which represents a significant increase since 2004.”
Read it at the source (opens in a new tab)
330% (678 to 2,914)

Growth in the number of licensed public adjusters in Florida between fiscal year 2003-04 and fiscal year 2008-09. · FY 2003-04 to FY 2008-09

Read with care: Historic figure covering the years after the 2004 and 2005 hurricanes.

Florida Legislature, Office of Program Policy Analysis and Government Accountability (OPPAGA), Page 3 and Exhibit 1 (show the source wording)
The source says
“the number of licensed public adjusters increased 330% between Fiscal Year 2003-04 and Fiscal Year 2008-09, growing from 678 to 2,914.”
Read it at the source (opens in a new tab)
3,678

Valid individual public adjuster licenses in Florida on the day the file was published: 3,110 resident all-lines (one on probation), 33 resident property-only, 1 resident health-only and 534 non-resident. · File dated November 10, 2026

Read with care: Counted this session from the department's bulk CSV files; the department does not print this total anywhere we found. License count, not a count of people actively taking claims. Public adjuster apprentices are not in this count.

Florida Department of Financial Services, Division of Insurance Agent and Agency Services, Rows where 'License TYCL Desc' contains PUBLIC ADJUSTER (codes 0320, 0340, 0344, 7320) in the two 'All Valid Licenses - Individual' CSV files (show the source wording)
The source says
“All Valid Licenses - Individual (A-K)”
Read it at the source (opens in a new tab)
1,216

Valid public adjusting firm licenses in Florida on the day the file was published (1,104 resident, 112 non-resident). · File dated November 10, 2026

Read with care: Counted this session from the department's bulk CSV file. These are firms, not individual adjusters. One additional row in the file did not parse cleanly and is not counted.

Florida Department of Financial Services, Division of Insurance Agent and Agency Services, Rows where 'License TYCL Desc' is PUBLIC ADJUSTING FIRM (code 2507) in the 'All Valid Licenses - Business' CSV file (show the source wording)
The source says
“All Valid Licenses - Business”
Read it at the source (opens in a new tab)
456,200

Residential property claims closed by Florida insurers in calendar year 2025, as reported to the state's closed-claim data call. · Calendar year 2025

Read with care: Insurer-reported; 170 companies filed data. Claims closed in 2025 may have been opened in earlier years. Many hurricane claims from earlier years are included. The data call collects public adjuster information, but the report publishes no public adjuster breakdown.

Florida Office of Insurance Regulation, Page 10 (show the source wording)
The source says
“received data for a total of 456,200 unique”
Read it at the source (opens in a new tab)
12.10% (53,413 of the claims with known status)

Share of Florida residential property claims closed in 2025 that were litigated, statewide (27.27% in Palm Beach, Broward and Miami-Dade; 8.16% in all other counties outside Central Florida). · Calendar year 2025

Read with care: The percentage is litigated claims divided by litigated plus non-litigated claims; claims with unreported litigation status are left out. Insurer-reported.

Florida Office of Insurance Regulation, Page 12, table 'Litigated and Non-Litigated Closed Claims Comparison' (show the source wording)
The source says
“Statewide 7,707,052 53,413 387,931 12.10%”
Read it at the source (opens in a new tab)
66 days average; 30 days median

Time Florida insurers took to close a residential property claim, across all perils, for claims closed in 2025. · Calendar year 2025

Read with care: Insurer-reported. Covers litigated and non-litigated claims together.

Florida Office of Insurance Regulation, Page 11 (show the source wording)
The source says
“insurers to close a claim is 66 days, however, not all claims closed in greater than 60 days are a violation of Florida statutes. (the median number of days for insurers to close a claim is 30 days)”
Read it at the source (opens in a new tab)
$15,257 vs $2,044

Average loss adjustment expense paid by Florida insurers on litigated residential property claims compared with non-litigated claims, for claims closed in 2025. · Calendar year 2025

Read with care: Insurer handling cost, not the amount paid to the policyholder. The non-litigated figure is on the next line of the report.

Florida Office of Insurance Regulation, Page 11 (show the source wording)
The source says
“Average LAE paid across all perils for litigated claims: $15,257”
Read it at the source (opens in a new tab)

All 55 official figures for Florida and other states

How Florida ranks

Florida compared with the other states and the District of Columbia
Measure	Florida	Rank of 51	In context
Storm event reports	11,638	25th	50 per 100,000 residents
Reported property damage	$42 billion	2nd	$1,785 per resident
Hail reports	900	29th	42 of two inches or larger
Tornado reports	558	11th	48 rated EF2 or stronger
Major disaster declarations since 2000	44	13th	28 emergency declarations
FEMA-verified home damage since 2002	$6.8 billion	2nd	4,011,772 homeowners registered

If you have a claim in Florida

Florida questions

What causes the most storm damage in Florida?

Hurricane and tropical storm accounts for the most property damage in National Weather Service reports for Florida from 2016 to 2025: $38 billion of a $42 billion total. Damaging wind is the most frequently reported, with 4,641 reports.

How often does it hail in Florida?

The National Weather Service logged 900 hail reports in Florida from 2016 to 2025. 42 involved hail two inches or larger, and the largest reported stone measured 3 inches. One storm can produce several reports.

How many tornadoes does Florida get?

558 tornado segments were recorded in Florida from 2016 to 2025, and 48 were rated EF2 or stronger. A tornado that crosses a county line is recorded once per county.

How many federal disasters has Florida had?

FEMA records 44 major disaster declarations and 28 emergency declarations for Florida since 2000. The most common cause of a major disaster declaration was hurricane.

How much home damage has FEMA verified in Florida?

Since 2003, 4,011,772 homeowners in Florida registered with FEMA across 39 disasters. Inspectors verified $6.8 billion in damage and FEMA approved $4.2 billion in individual assistance. These figures cover only people who registered and were inspected.

Use this data

You are welcome to quote these figures and reuse the charts in news stories, research and blog posts. Please credit the page with a link.

PublicAdjuster.cc, "Florida storm damage and disaster statistics," https://publicadjuster.cc/data/florida/. Compiled from the NOAA Storm Events Database and FEMA OpenFEMA data, November 10, 2026.

Download all states (CSV) How the figures are built

The underlying records are published by NOAA, FEMA and the U.S. Census Bureau. This product uses the FEMA OpenFEMA API, but is not endorsed by FEMA. The Federal Government or FEMA cannot vouch for the data or analyses derived from these data after the data have been retrieved from the Agency's website(s).