Water Damage & Mold Remediation in Kissimmee, FL
Water in your home or signs of mold? Call to be connected with an independent, local restoration provider serving Kissimmee and Osceola County.
Call (000) 000-0000Updated November 6, 2026. Local figures from FEMA and NOAA data, with sources below.
Kissimmee water and flood risk by the numbers
| Flood insurance claims filed since 1979 | 319[1] |
|---|---|
| Total paid on those claims (nominal dollars) | $15.5 million[1] |
| Claims filed since 2015 | 238[1] |
| Average payout per paid claim | $66,243[1] |
| Share of claims from outside FEMA high-risk flood zones | 24.8%[1] |
| Osceola County homes in a FEMA high-risk flood zone | 11.0% (14,370 of 131,130)[2] |
| Osceola County homes with NFIP flood insurance | 6.0%[2] |
| Federal major disaster declarations covering Osceola County since 2000 | 16[3] |
| Average annual rainfall (Orlando International Airport) | 51.5 inches[4] |
| Days per year with 0.1 inch or more of rain | 77[4] |
Want the full statewide table? See Florida flood claims by city.
What the data says for Kissimmee homeowners
The average paid flood claim in Kissimmee is $66,243, close to the statewide average of $61,615[1]. 75% of Kissimmee's claims were filed in 2015 or later, versus 44.9% statewide.
Flood claims history
FEMA records show 319 National Flood Insurance Program claims filed in Kissimmee since 1979, with $15.5 million paid out[1]. The events behind the most claims were Hurricane Ian and Hurricane Irma. 75% of those claims were filed in 2015 or later.
Flood zones
Most Kissimmee flood claims come from mapped high-risk zones: only 24.8% of claims with a recorded zone were outside them[1]. If your home is in an A or V zone, check that your flood policy is current before storm season.
Flood insurance gap
Only 6.0% of homes in Osceola County carry NFIP flood insurance[2], and even inside the high-risk flood zone only 35.9% are insured[2]. Uninsured flood damage is paid out of pocket, which makes fast drying to limit the damage even more important.
Rain and humidity
Kissimmee averages 51 inches of rain a year, with 0.1 inch or more of rain on about 77 days and 23 inches falling in June through August alone[4]. Warm, wet conditions like these are why wet drywall, carpet pad and cabinets need to be dried quickly after any leak.
Disaster history
Osceola County has been included in 16 federal major disaster declarations since 2000[3], including Hurricane Milton (2024), Hurricane Debby (2024), Hurricane Idalia (2023), Hurricane Nicole (2022).
What to do right now
- Stay away from wet electrical equipment; if reaching the breaker means walking through water, call an electrician[7][8].
- Stop the source, then photograph everything and keep receipts[9].
- Start drying within 24 to 48 hours[10]. Full step-by-step guide.
Ready to talk to a provider? Call (000) 000-0000
Kissimmee flood claims in detail
Where in Kissimmee the claims are
ZIP code 34744 has the most flood insurance claims in Kissimmee's FEMA records: 152 claims and $9.2 million paid[1].
| ZIP code | Claims | Paid |
|---|---|---|
| 34744 | 152 | $9.2 million |
| 34741 | 140 | $6.2 million |
| 34743 | 13 | $82,490 |
| 34746 | 11 | $39,573 |
The storms behind Kissimmee's flood claims
| Event (FEMA label) | Claims | Paid |
|---|---|---|
| Hurricane Ian | 193 | $14.1 million |
| Hurricane Irma | 33 | $812,892 |
| Hurricane Charley | 26 | $21,423 |
| Hurricane Jeanne | 10 | $12,929 |
| Hurricane Frances | 6 | $2,796 |
| Hurricane Hermine | 1 | $0 |
Hurricane Ian produced the most claims in Kissimmee[1].
Worst years
The years with the most Kissimmee flood claims were 2022: 195 claims ($14.1 million); 2004: 42 claims ($37,148); 2017: 37 claims ($836,478); 2009: 17 claims ($420,792)[1].
Flood zone mix
Of 210 Kissimmee claims with a recorded flood zone: 75% in zone A (high risk), 25% in zone X/B/C (moderate to low risk)[1].
Kissimmee compared with nearby cities
| City | Claims (all years) | Since 2015 | Avg paid claim | Outside high-risk zone |
|---|---|---|---|---|
| Kissimmee | 319 | 238 | $66,243 | 24.8% |
| Orlando | 526 | 297 | $56,779 | 33.3% |
| Winter Park | 99 | 54 | $60,269 | 73.5% |
| Clermont | 18 | 11 | n/a | n/a |
| Apopka | 7 | 3 | n/a | n/a |
| Altamonte Springs | 152 | 99 | $53,806 | 14.3% |
Source: FEMA NFIP claims[1].
Florida rules in brief
- Report a new claim within 1 year of the date of loss[11]. Most homeowners insurance does not cover flood[5]. Florida water damage claims explained.
- Mold remediation over 10 square feet requires a Florida license, issued to individuals; verify it with DBPR[12][13][14]. How mold remediation works.
- Costs: national guides put typical mold remediation at about $1,100 to $6,000 and water damage restoration at about $1,300 to $6,400[15][16][17][18]. Mold cost ยท Water damage cost.
Areas served
Calls from Kissimmee are connected with independent providers serving Osceola County. ZIP codes include: 34741, 34742, 34743, 34744, 34745, 34746, 34747, 34758, 34759[19].
Nearby: Orlando, Winter Park, Clermont, Apopka, Altamonte Springs, Oviedo.
Kissimmee water damage and mold questions
How many flood insurance claims have been filed in Kissimmee?
319 since 1979, 238 of them since 2015, with $15.5 million paid in nominal dollars[1]. The average paid flood claim in Kissimmee is $66,243, close to the statewide average of $61,615[1]. 75% of Kissimmee's claims were filed in 2015 or later, versus 44.9% statewide.
Which Kissimmee ZIP code has the most flood claims?
34744, with 152 claims and $9.2 million paid, followed by 34741 with 140 claims[1].
Which storm caused the most flood claims in Kissimmee?
Hurricane Ian, with 193 claims in FEMA's records[1]. It was also the costliest, at $14.1 million paid.
Can a Kissimmee home flood outside a flood zone?
Yes. 11.0% of Osceola County homes are in a FEMA high-risk flood zone[2], but 24.8% of Kissimmee claims with a recorded zone came from outside high-risk areas[1]. Most homeowners insurance does not cover flood[5], and new NFIP policies usually have a 30-day wait[6].
How much rain does Kissimmee get?
About 51 inches a year at Orlando International Airport, with 23 inches in June through August and about 77 days with 0.1 inch or more[4].
Sources
Every figure on this page links to its source. Statutes are from the 2026 Florida Statutes. FEMA and NOAA figures were downloaded on 6 November 2026.
- FIMA NFIP Redacted Claims dataset, Florida records (analysis by RestoreNow USA). FEMA OpenFEMA. https://www.fema.gov/openfema-data-page/fima-nfip-redacted-claims-v2 Downloaded 6 Nov 2026. Dollar amounts are nominal (not adjusted for inflation).
- NFIP Residential Penetration Rates. FEMA OpenFEMA. https://www.fema.gov/openfema-data-page/nfip-residential-penetration-rates-v1 Data as of 2026-08-03.
- Disaster Declarations Summaries. FEMA OpenFEMA. https://www.fema.gov/openfema-data-page/disaster-declarations-summaries-v2
- U.S. Climate Normals 1991-2020, annual and seasonal. NOAA National Centers for Environmental Information. https://www.ncei.noaa.gov/products/land-based-station/us-climate-normals
- FloodSmart.gov home page. FEMA, National Flood Insurance Program (FloodSmart.gov). https://www.floodsmart.gov/ Accessed 6 Nov 2026.
- Buy a Flood Insurance Policy. FEMA, National Flood Insurance Program (FloodSmart.gov). https://www.floodsmart.gov/get-insured/buy-a-policy Accessed 6 Nov 2026.
- Hurricanes. Ready.gov (FEMA). https://www.ready.gov/hurricanes Accessed 6 Nov 2026.
- Safety Guidelines: Reentering Your Flooded Home. U.S. Centers for Disease Control and Prevention. https://www.cdc.gov/floods/safety/reentering-your-flooded-home-safety.html Accessed 6 Nov 2026.
- Section 627.7142, 2026 Florida Statutes. The Florida Senate (Florida Statutes). https://www.flsenate.gov/Laws/Statutes/2026/627.7142 Accessed 6 Nov 2026.
- A Brief Guide to Mold, Moisture and Your Home. U.S. Environmental Protection Agency. https://www.epa.gov/mold/brief-guide-mold-moisture-and-your-home Accessed 6 Nov 2026.
- Section 627.70132, 2026 Florida Statutes. The Florida Senate (Florida Statutes). https://www.flsenate.gov/Laws/Statutes/2026/627.70132 Accessed 6 Nov 2026.
- Section 468.8411, 2026 Florida Statutes. The Florida Senate (Florida Statutes). https://www.flsenate.gov/Laws/Statutes/2026/468.8411 Accessed 6 Nov 2026.
- Mold-Related Services: FAQs. Florida Department of Business and Professional Regulation. https://www2.myfloridalicense.com/mold-related-services/faqs/ Accessed 6 Nov 2026.
- Mold-Related Services. Florida Department of Business and Professional Regulation. https://www2.myfloridalicense.com/mold-related-services/ Accessed 6 Nov 2026.
- Mold removal cost. HomeGuide. https://homeguide.com/costs/mold-removal-cost Accessed 6 Nov 2026.
- Mold Remediation Cost Guide: What to Know + How Much You'll Pay. Bob Vila. https://www.bobvila.com/articles/mold-remediation-cost/ Accessed 6 Nov 2026.
- How Much Does Water Damage Restoration Cost?. HomeAdvisor. https://www.homeadvisor.com/cost/disaster-recovery/repair-water-damage/ Accessed 6 Nov 2026.
- How Much Does Water Damage Restoration Cost?. Bob Vila. https://www.bobvila.com/articles/water-damage-restoration-cost/ Accessed 6 Nov 2026.
- US postal codes. GeoNames (CC BY 4.0). https://download.geonames.org/export/zip/