Water Damage Restoration in Palm Coast, FL
Palm Coast by the numbers: 50 flood report days from 2016 to 2025, 5 freezing nights a year, 17 federal disaster declarations since 2016. Below: first steps, the records, Florida insurance rules and costs.
Updated November 2, 2026
First Steps for Water in a Home in Palm Coast
- Storm flooding: wait until the water stops rising and officials allow re-entry; wear boots and gloves (flooding steps).
- Stay clear of wet outlets and cords.
- Photograph the damage, then call your insurer.
How Often Palm Coast Floods
Flagler and Volusia counties logged flooding on 50 days from 2016 to 2025 (72 NOAA reports), September most often.
At the Palm Coast 0.8 NNW gauge, September is the wettest month with 7.5 inches on average.
Hurricanes, tropical storms or storm surge added 15 report days.
| Month | Flood report days | Normal precipitation (in) |
|---|---|---|
| January | 1 | 3 |
| February | 1 | 2.8 |
| March | 0 | 3.1 |
| April | 1 | 2.2 |
| May | 0 | 4.3 |
| June | 3 | 6.7 |
| July | 3 | 6 |
| August | 2 | 6.4 |
| September | 18 | 7.5 |
| October | 10 | 4.6 |
| November | 9 | 2.5 |
| December | 2 | 2.4 |
| County | Flood report days | Reports |
|---|---|---|
| Flagler County | 40 | 55 |
| Volusia County | 13 | 17 |
Freezing Nights in Palm Coast
Palm Coast averages 5 nights a year at or below 32°F (Palm Coast 6NE station).
Storms and Disasters in Palm Coast
Flagler and Volusia counties were named in 17 federal weather or fire declarations since 2016 (OpenFEMA).
Notable NOAA storm reports
- November 9, 2022: Storm surge (Volusia County)Persistent onshore flow ahead of and during Nicole led to water level rises of 3 to 5 feet, locally up to 6 feet, along the Volusia County coastline.
- August 20, 2020: Thunderstorm wind, 72 mph gust (Volusia County)The AWOS at the DeLand Municipal Airport, KDED, measured a peak wind gust of 73 mph from the south-southwest. Three prop planes at the airport were flipped, and several hangers sustained damage.
- August 18, 2020: Tornado, EF2 (Volusia County)A National Weather Service Damage Survey confirmed that a strong tornado moved through North DeLand along a 4.6 mile long path with peak winds estimated between 110-120 mph.
- March 20, 2018: Hail, 2 inch hail (Volusia County)A trained spotter reported 2 inch hail in Daytona Beach.
- October 6, 2016: Hurricane (Volusia County)
Federal disaster declarations
- October 11, 2024: Hurricane MiltonHurricane, FEMA DR-4834
- October 7, 2024: Hurricane MiltonHurricane, FEMA EM-3622
- August 10, 2024: Hurricane DebbyTropical Storm, FEMA DR-4806
- August 3, 2024: Tropical Storm DebbyTropical Storm, FEMA EM-3605
- August 31, 2023: Hurricane IdaliaHurricane, FEMA DR-4734
- August 28, 2023: Tropical Storm IdaliaTropical Storm, FEMA EM-3596
- December 13, 2022: Hurricane NicoleHurricane, FEMA DR-4680
- November 8, 2022: Tropical Storm NicoleTropical Storm, FEMA EM-3587
Palm Coast Housing at a Glance
Census figures for the city of Palm Coast (American Community Survey, 2020 to 2024): 44,254 housing units, a median build year of 2003, 6% built before 1980, 1% before 1970, 82% owner occupied.
Florida Insurance Rules for Water Claims
Florida insurers must review and acknowledge a claim communication within 7 calendar days and pay or deny a property claim within 60 days after notice (Fla. Stat. 627.70131).
Claim problems in Florida go to the Florida Department of Financial Services, Division of Consumer Services.
Flood damage needs a separate flood policy, which typically starts 30 days after purchase (FloodSmart). Look up Palm Coast flood zones on FEMA's flood maps.
Restoration Cost Guide for Palm Coast
| Typical range (national) | Cost |
|---|---|
| Most jobs | $1,305 to $5,707 |
| Sewage, per sq ft | $7 to $7.50 |
| Average insurer payout, water or freeze claim | $15,400 |
Sources: Bob Vila, May 2023; III, 2019 to 2023.
Areas Served Around Palm Coast
The same 24/7 line covers the Palm Coast metro area, including:
- Palm Coast
- Deltona
- Daytona Beach
- Port Orange
- DeLand
- Ormond Beach
- New Smyrna Beach
- Edgewater
- DeBary
Other Florida city guides
Questions
When is the first freeze in Palm Coast?
The median first night at or below 32°F is January 11 and the median last is January 24 at the Palm Coast 6NE station (NOAA normals, 1991 to 2020).
Does Florida license mold assessment or remediation?
Florida law bars anyone from performing or offering mold assessment without meeting the state's mold assessor licensing law (Fla. Stat. 468.8419).
How fast does mold start?
Dry wet materials within 24 to 48 hours (EPA).
Sources: NOAA Storm Events, NOAA normals, OpenFEMA, Census ACS, Fla. Stat. 627.70131, Fla. Stat. 468.8419, EPA mold guide.