City · Flood risk
Check any address in Boca Raton
Inside Boca Raton city limits
Homes in Boca Raton
38,911
On the state tax roll
Flood claims since 2016
71
In 5 storms, 18 paid
Most claims in one storm
59
Hurricane Irma 2017, 12 paid
FEMA flood map in effect
Dec 2024
First flood map 1978
Flood insurance discount
25% off
City of Boca Raton, Community Rating System Class 5
Sinkhole reports
None
On file with the Florida Geological Survey
Boca Raton and Palm Beach County
Boca Raton has 7% of Palm Beach County's homes and 13% of its flood claims since 2016.
| Boca Raton | All of Palm Beach | |
|---|---|---|
| Homes | 38,911 | 591,147 |
| Flood claims since 2016 | 71 | 532 |
| FEMA aid, water inside | No city figure | 1,885 |
Past storms in Boca Raton
National Flood Insurance Program claims, filed in the city and across the county.
| Storm | Boca Raton | All of Palm Beach |
|---|---|---|
| Hurricane Matthew 2016 | 0 | 11 |
| Hurricane Irma 2017 | 59 | 423 |
| Tropical Storm Eta 2020 | 8 | 36 |
| Hurricane Ian 2022 | 0 | 16 |
| Hurricane Nicole 2022 | 1 | 13 |
| Hurricane Milton 2024 | 1 | 13 |
Frequently asked questions
Do I need flood insurance in Boca Raton?
Lenders require flood insurance on a federally backed mortgage when the building is in one of FEMA's high-risk zones, the ones starting with A or V. The map that sets those zones in Boca Raton took effect on December 20, 2024. Outside those zones insurance is optional, but claims come from moderate- and low-risk zones too, so it's worth checking the zone and the floor height of the exact home.
When was the FEMA flood map for Boca Raton last updated?
The flood map in effect for Boca Raton took effect on December 20, 2024. The city's first flood map dates to June 1, 1978.
Is there a flood insurance discount in Boca Raton?
The City of Boca Raton is in FEMA's Community Rating System at Class 5, which takes 25% off National Flood Insurance Program premiums for policies inside the high-risk flood zone. Classes run from 10 to 1, and each step down adds 5% off.
Which storms flooded Boca Raton the most?
By National Flood Insurance Program claims filed in Boca Raton, the worst recent storms were Hurricane Irma 2017 (59 claims, 12 paid), Tropical Storm Eta 2020 (8 claims, 6 paid), and Hurricane Sally 2020 (2 claims, 0 paid). Across Palm Beach County, 1,804 FEMA aid registrations reported water inside the home after Hurricane Irma 2017. Claims only count insured homes, so the real number of flooded homes is higher.
What causes flooding in Boca Raton?
On the Atlantic coast, flooding comes from hurricane surge, seasonal king tides that back up through storm drains, and heavy rain on flat ground with a high water table. The storms we track for Southeast Florida are Hurricane Matthew 2016, Hurricane Irma 2017, Tropical Storm Eta 2020, Hurricane Nicole 2022, Fort Lauderdale flood 2023, South Florida flood June 2024, Hurricane Helene 2024, and Hurricane Milton 2024.
Boca Raton is in southern Palm Beach County on the Atlantic and the Intracoastal Waterway, with the Hillsboro Canal on its south edge.
Boca Raton has about 38,900 homes on the state tax roll inside its city limits. The FEMA flood map in effect for Boca Raton took effect on December 20, 2024; the city's first flood map dates to 1978. Since 2016, 71 flood insurance claims have been filed in Boca Raton in the storms we track, 18 of them paid. The storm that left the most was Hurricane Irma 2017, with 59, followed by Tropical Storm Eta 2020 with 8. The City of Boca Raton is in FEMA's Community Rating System at Class 5, which takes 25% off National Flood Insurance Program premiums for policies inside the high-risk flood zone.
On the Atlantic coast, flooding comes from hurricane surge, seasonal king tides that back up through storm drains, and heavy rain on flat ground with a high water table. The storms we track for Southeast Florida are Hurricane Matthew 2016, Hurricane Irma 2017, Tropical Storm Eta 2020, Hurricane Nicole 2022, Fort Lauderdale flood 2023, South Florida flood June 2024, Hurricane Helene 2024, and Hurricane Milton 2024.
Search any address in Boca Raton for a free report: its FEMA flood zone and whether insurance is required, its risk level, and its floor height against the flood line. The full report adds a 0 to 100 risk score, the flood insurance cost, the home's record in each storm we track, and a PDF to share.
Compiled by FloodMaps from FEMA, state, and county records. Data dates: 2026 county tax roll (final values); flood claims for storms from 2016 through Hurricane Milton (October 2024); FEMA map dates and insurance discounts as of October 8, 2026.
Nearby flood maps
Florida Flood News & Updates
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