Palm Beach, Florida
Is your property located in an updated flood zone?
Has your Palm Beach property been rezoned as a high-risk, A or V flood zone?
If so, flood insurance may now be lender required.
National Flood Insurance can help you determine your new zone, confirm if flood insurance is required for your property, and provide you and your family the coverage you need to stay protected.

Palm Beach County Quick Facts
Location: Southeastern Atlantic coast of Florida
County's Population (2016): 1,319,741
Environmental Features: Palm Beach County includes 45 miles of Atlantic shoreline; most of the communities lie along the coast. As a relatively flat, low lying, heavily developed coastal county that experiences frequent intense rain events and periodic tropical storms, Palm Beach County is especially susceptible to flooding.
Why Did Flood Zones in Palm Beach, FL Change?
The Federal Emergency Management Agency (FEMA) released updates to the flood hazard maps, also known as Flood Insurance Rate Maps (FIRMs). FIRMs are used to identify areas that have flood risk in Palm Beach County. Insurance companies also use FIRMs to determine flood insurance rates for properties and their contents, and banks/lenders utilize FIRMs to determine flood insurance requirements.
Heavy rain, powerful tropical storms and hurricanes and summer showers have all contributed to the historical flooding in Palm Beach County.
Heavy Rain:
  • January 2014: Several meteorological factors produced torrential rainfall across portions of coastal Palm Beach county over a rather short period of time. Severe flooding of neighborhoods led to the closing of numerous roadways including all lanes of Interstate 95 in Boynton Beach. In addition, several lakes and canals overflowed their banks. Rainfall totals of 8 to 10 inches were also experienced as far west as the Florida Turnpike in Palm Beach county.
Tropical Storms and Hurricanes:
  • September 1926: Hurricane strikes southeast Florida causing damage in Palm Beach County and extensive damage in Miami.
  • September 1928: Hurricane devastates Palm Beach County; destroys levee at Lake Okeechobee flooding the Glades area.
  • September 1947: Hurricane brings storm surge of up to 22 feet around Lake Okeechobee.
  • October 1947: Second hurricane within 30 days causes worst flooding on record in south Florida.
  • August 1964: Hurricane Cleo causes $50 million in damages in Palm Beach County.
  • September 1979: Hurricane David moves along coastal Palm Beach County resulting in about $30 million in damages.
  • October 1999: Hurricane Irene hits Palm Beach County with 75 mph winds and floods many areas of county.
  • September 2004: Hurricane Frances brings 105 mph winds to Palm Beach County; approximately 12 inches of rain falls.
  • September 2004: Hurricane Jeanne struck as a Category 3 hurricane with winds upward of 120 mph. Storm surge of two to four feet along the coast resulted in moderate beach erosion in Palm Beach County. Severe local flooding occurred in Jupiter, Palm Beach Gardens, and rural areas of western Palm Beach County. Jeanne resulted in $260 million in damage including $30 million in agricultural losses.
  • October 2005: Hurricane Wilma passes over Palm Beach County with winds 90 to 105 mph and gusts of 113 mph.
Have More Questions About Flood Zone Updates?
Our team is happy to help and standing by to answer your questions about Palm Beach County flood zone changes.
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