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Private insurance vs. FEMA

In Miami-Dade County, FEMA money paid to individuals has matched private insurance claims almost dollar-for-dollar. In other South Florida counties, FEMA payments represent a fraction of the private claims.

County Estimated Damage Covered by Private Insurers

Money Paid By FEMA to Individuals

Palm Beach

$386.2 million

$44.0 million

St. Lucie

$275.7 million

$27.2 million

Indian River

$214.2 million

$12.5 million

Martin

$129.1 million

$9.0 million

Broward

$64.3 million

$5.8 million

Miami-Dade

$22.0 million

$21.5 million

Sources: Florida Office of Insurance Regulation, FEMA. Private insurance estimates are as of Oct. 1. FEMA amounts are as of Oct. 8.
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