Hurricane Michael produced 4,291 flood insurance claims in Florida and $238 million in payments. The median paid claim was $38,077.
Around 25.7% of claims filed under this event closed without any payment. That figure excludes records FEMA marks as administrative errors.
Official source figures, as of 14 August 2026. Calculated from National Flood Insurance Program policy records published by FEMA. These are premiums other policyholders paid, not a quote or an offer of coverage.
What the water was
Rainfall accumulation accounted for 16.3% of claims with a recorded cause, and 31.8% of all claims came from properties rated outside the high-risk flood zones.
Where Hurricane Michael hit hardest
| County | Claims | Paid |
|---|---|---|
| Bay County | 2,129 | $126 million |
| Gulf County | 954 | $82 million |
| Franklin County | 804 | $19 million |
| Wakulla County | 229 | $8 million |
| Okaloosa County | 17 | $1 million |
| Taylor County | 22 | $683,933 |
| Walton County | 41 | $183,164 |
| Dixie County | 7 | $180,204 |
Bay County absorbed the largest share, with 2,129 claims and $126 million paid.
How this compares
Against the $19.33 billion the NFIP has paid in Florida since 1978, Hurricane Michael represents roughly 1.2% of everything ever paid out in the state. See every event ranked.