How often floodwater reaches Boca Raton homes
Plain answers for Boca Raton homes, drawn from the data behind the area's water damage calls.
Paid flood insurance claims in Boca Raton's ZIP codes averaged $45,362 for the building from 2016 to 2025.
- Calls answered 24/7
- Written estimate before work starts
- Water removal, drying and repair
What happens when you call
Call (833) 728-2327
Say what is wet, where the water came from and whether it is still running. The call is answered any hour.
Stop the source
If water is still coming in, you are walked through the shutoff valve or the breaker first.
Inspection and written estimate
The crew checks the water category, measures moisture in walls and floors, photographs the damage and writes the estimate before work starts.
Written for homeowners in the Boca Raton area.
For every $100,000 of buildings in Boca Raton's ZIP codes, FEMA's model expects about $91 a year in inland flood damage, compared with $73 across Florida.
What the flood figures say for Boca Raton
Boca Raton sees floodwater more often than Palm Beach County as a whole, though far less often than Florida overall. FEMA flood insurance records show 4.0 claims per 1,000 homes here from 2016 to 2025. The county rate was 1.6 and the state rate 19.8. The average building payment was $45,362, close to the county's $43,174 and well under the state's $90,796.
FEMA's National Risk Index rates yearly inland flood loss at $91 per $100,000 of building value, above the county's 63. Yearly hurricane loss is $98, near the county's 95, while coastal flood loss is only $4. NOAA's climate normals count 16 days a year with an inch of rain or more. Palm Beach County logged flash flooding or flooding on 42 days from 2016 to 2025. It has had 14 major disaster declarations for floods and storms since 2000.
Water that comes in from outside is Category 3. It carries runoff, soil and sometimes sewage, so soaked drywall, carpet and pad are removed rather than dried. FEMA's records show 13.0% of Palm Beach County homes with federal flood insurance. Call your insurance company to ask what your policy covers. Keep the restoration crew's photos, moisture readings and written estimate to share with the insurer. After a storm, flood damage restoration across the Boca Raton area starts with those readings.
Boca Raton flood figures
Figures for Boca Raton, home to about 98,833 people.
In Boca Raton, 47% of homes are apartments or condos in buildings of five units or more.
About 43% of the homes in Boca Raton date from before 1980, against 34% across Palm Beach County.
About 34% of households in Boca Raton rent. The building is usually the owner's to repair, so a tenant should tell the landlord about a leak right away.
- 91 Yearly inland flood loss per $100,000 of building valuePalm Beach County: 63
- 47% Homes in buildings with 5 or more unitsPalm Beach County: 31%
- 48,811 Housing units
- 98,833 Residents
- 43% Homes built before 1980Palm Beach County: 34%
- 34% Homes that are rentedPalm Beach County: 30%
- 98 Yearly hurricane loss per $100,000 of building valuePalm Beach County: 95
- 0% Mobile and manufactured homesPalm Beach County: 3%
- 4.0 Flood insurance claims per 1,000 homes, 2016 to 2025Palm Beach County: 1.6
Sources: U.S. Census Bureau, American Community Survey 2019-2023 5-year estimates; FEMA OpenFEMA, FIMA NFIP Redacted Claims v3, claims from 2016 to 2025 (not endorsed by FEMA); FEMA OpenFEMA, NFIP Residential Penetration Rates v1 (not endorsed by FEMA); FEMA National Risk Index v1.20, December 2025 (not endorsed by FEMA); NOAA NCEI, U.S. Climate Normals 1991-2020, nearest weather station; FEMA OpenFEMA, Disaster Declarations Summaries v2 (not endorsed by FEMA); NOAA NCEI Storm Events Database, 2016 to 2025.
Lowering the risk in Boca Raton
Census figures show 47% of Boca Raton homes are in buildings with 5 or more units, and 9% are kept for seasonal use. Before the next storm, ask your association or manager when the roof drains and downspouts were last cleared, and whether downspouts carry water away from the foundation. Single-family owners should check that yard grading slopes away from the walls.
If your building has a sump or drainage pump, it needs a test and a battery or generator backup, because the storms that flood streets also cut power. Ground-level window wells and light wells should be cleared of leaves and sand. Move documents, electronics and photos off the floor and away from sliding doors, where wind-driven rain often enters.
Before hurricane season, check your address on FEMA's flood map, and keep the building manager's after-hours number and the location of your unit's shutoff where everyone at home can find them. Seasonal owners should shut off the main water valve before leaving and arrange for someone to check the unit after heavy rain.
If water gets in, stop the source if it is plumbing, cut power to wet rooms and photograph the damage before you move anything. Tell the association so the unit below can be checked for ceiling repair after a leak. Owners with a second unit can set up water removal in Deerfield Beach the same way. Plan for water mitigation to start within 24 to 48 hours, while drywall and cabinets can still be dried.
Getting your paperwork ready in Boca Raton
Get ready in Boca Raton before the water does. Check your address on FEMA's flood maps, record a short video of every room, and keep policy numbers and the location of the main shutoff and breaker panel on paper. Store important papers above the basement floor. When water comes in, take photos of the water line before anything is moved; those pictures matter for the cleanup plan and for any claim. Laminate and hardwood under floodwater often need subfloor water damage repair once drying ends.
Flood questions in Boca Raton
What does a FEMA flood risk rating mean for my Boca Raton home?
How do I keep storm water out of a Boca Raton basement?
Is flood cleanup different from other water damage?
What should I do after floodwater gets into my Boca Raton home?
Where can I check the flood zone for a Boca Raton address?
Keep reading about Boca Raton
Boca Raton water damage cost guide
Price ranges, cost drivers and estimate checks for Boca Raton homes.
guide to the first hour after water damage for Boca Raton
The first hour after a leak or flood in Boca Raton: what to shut off, what to photograph and what to move.
guide to burst and frozen pipes for Boca Raton
Why pipes burst in Boca Raton homes, what freezing nights and older plumbing mean, and what to do first.
Water damage in Boca Raton? Call (833) 728-2327
Any hour, any day. Nothing starts until you approve a written estimate.