Flood history / Florida / ZIP 32304
ZIP 32304
Leon County, FL
Property owners in ZIP 32304 have been paid $2.1M on 217 National Flood Insurance Program claims between 1979 and 2024 — an average of $10K a claim, across 29 separate years in which someone here filed and was paid.
The heaviest year
2001 is the heaviest year on file: 35 paid claims, 16.1% of the ZIP's total. The rest is spread across the other 28 years on file. The largest named event in the record is Tropical Storm Allison, with 34 claims.
6 of those claims — 2.8% — were filed since 2017. The bulk of this ZIP's record is older than that.
| Named event | Paid claims | Share of record |
|---|---|---|
| Tropical Storm Allison | 34 | 15.7% |
| Tropical Storm Fay | 3 | 1.4% |
| Hurricane Josephine | 2 | 0.9% |
Where the claims sat on the map
Of the 213 claims here that record a rated flood zone, 52 — 24.4% — were on properties rated outside the mapped high-risk area, in a B, C or X zone. Claims here concentrate inside the mapped high-risk area, which is what the maps intend. Flood insurance is not required outside the high-risk zone, and most properties there do not carry it — so these counts come from the minority who did.
The water near this ZIP
The closest gauges publishing official flood thresholds are Munson Slough at Roberts Avenue (in NAVD88) (2.1 mi), Central Drainage Ditch at Lake Bradford Road (in NAVD88) (3.4 mi) and Lake Bradford at Camp Flastacowo (in NAVD88) (3.6 mi). A gauge describes one point on one river — it will not see street drainage, sewer backup, storm surge or flash flooding.
Read current gauge conditions for 32304 →
What this does not say
These are paid National Flood Insurance Program claims, nothing more. They count insured properties whose owners filed and were paid, so they are a floor on how often this ZIP has flooded — never a measure of how likely it is to flood next. Uninsured flooding leaves no trace here at all.
The figures are aggregates published by FEMA. No individual claim, address or policyholder appears on this page or in the data behind it. Nothing here is a forecast, a warning, or advice about insurance.