OIR Hurricane Isaias Information

Hurricane Isaias

OIR is closely monitoring Hurricane Isaias's impacts to Florida's insurance industry. This page provides information regarding OIR's Hurricane Isaias response and recovery efforts and additional resources for impacted policyholders and insurers.

Governor DeSantis declared a State of Emergency for 25 counties in Florida for Hurricane Isaias via Executive Order 26-202 . The Florida Division of Emergency Management's disaster information page for Hurricane Isaias is available HERE.

FEMA has activated Individual Assistance for Floridians who need recovery aid. If you need assistance, visit DisasterAssistance.gov or call 1-800-621-3362.

State Assistance Information Line

The Florida State Assistance Information Line is activated to provide an additional resource for Floridians to receive up-to-date information regarding Hurricane Isaias. Residents and visitors can call this toll-free hotline at 1-800-342-3557.

In case of an emergency, please hang up and dial 911.

In coordination with the Florida Department of Health, OIR has distributed a notice to all health insurers, managed care organizations, and other health entities, reminding them they must comply with with provisions of section 252.358, Florida Statutes, which allows for early prescription refills in the event the Governor issues an Executive Order declaring a State of Emergency. This mandate remains in effect until the Governor’s Executive Order is rescinded or expires.

More information on early prescription refills is available here.

OIR instituted a data call for the purpose of collecting catastrophe claims data related to Hurricane Isaias. Information regarding catastrophe claims data for Hurricane Isaias will be made available on this page. Recent claims reporting notices and other resources are available below:

Notice to Industry: Hurricane Isaias Data Due October 13, 2026
2026 CRF Template
2026 CRF IRFS Filing Instructions
2026 CRF FAQs
Data for Previous Storms

OIR encourages consumers who are having issues with a claim to report it. Click here to report an issue with a claim.

Total Estimated Insured Losses: $581,980,952

OIR required insurers report estimated and paid losses. Estimated or case incurred losses include indemnity case reserves and payments to date.

	Residential Property	Homeowners	Dwelling	Mobile Homeowners	Commercial Residential	Commercial Property	Private Flood	Business Interruption	Private Passenger Auto	Commercial Auto	All Other Lines of Business	Total
Number of Claims	40,406	35,014	4,001	1,224	167	884	76	13	4,136	82	912	46,509
Open Claims with Payment	458	409	30	19	0	3	0	2	44	2	63	572
Open Claims without Payment	35,175	30,108	3,779	1,123	165	856	70	10	3,404	70	807	40,392
Claims Closed with Payment	712	676	26	10	0	2	0	1	384	4	24	1,127
Claims Closed Without Payment	4,061	3,821	166	72	2	23	6	0	304	6	18	4,418
Percent of Claims Closed	11.8%	12.8%	4.8%	6.7%	1.2%	2.8%	7.9%	7.7%	16.6%	12.2%	4.6%	11.9%
Total Losses Incurred	$558,610,076	$484,646,843	$57,156,438	$14,758,662	$2,048,133	$8,781,593	$18,504	$283,287	$8,133,623	$314,985	$5,838,885	$581,980,952

Data as of October 15, 2026

*Other Lines of Business may include Fire, Farmowners’ Multi-Peril, Ocean Marine, Inland Marine, Private Passenger Automobile Physical Damage, Commercial Auto Physical Damage, Aircraft, Glass, Boiler and Machinery, Industrial Fire, Industrial Extended Coverage, and Multi-Peril Crop.

Claims Closed Without Payment

The OIR audits and examines insurer claims payments following every catastrophe to ensure claims are properly handled in compliance with Florida law and the terms of the policy.

	Residential Property	Homeowners	Dwelling	Mobile Homeowners	Commercial Residential	Commercial Property	Private Flood	Business Interruption	Private Passenger Auto	Commercial Auto	All Other Lines of Business	Totals
Claims Closed without Payment Due to Denial of Coverage (Flood)	77	71	6	0	0	0	0	0	9	0	0	86
Claims Closed without Payment Due to Denial of Coverage (All Other Than Flood)	254	228	16	9	1	10	0	0	58	2	1	352
Claims Closed without Payment Due to Damage Below Deductible	207	203	2	1	1	3	0	0	10	0	2	222
Claims Closed Due to Fraud	0	0	0	0	0	0	0	0	0	0	0	0
Claims Closed Without Payment Due to Administrative Reasons	3,523	3,319	142	62	0	10	6	0	227	4	15	3,785

Data as of October 15, 2026

Claims Data by County for Top 20 Counties

County	Number of Claims Reported	Number of Open Claims with Payment	Number of Open Claims without Payment	Number of Claims Closed with Payment	Number of Claims Closed without Payment	Percent of Claims Closed
Santa Rosa	22894	288	20799	388	1419	7.9%
Escambia	13677	165	11576	506	1430	14.2%
Okaloosa	4334	24	3245	100	965	24.6%
Walton	1727	13	1524	27	163	11.0%
Bay	1703	16	1418	44	225	15.8%
Duval	224	0	189	5	30	15.6%
Leon	166	5	129	9	23	19.3%
Holmes	148	1	137	0	10	6.8%
Jackson	97	0	79	4	14	18.6%
Hillsborough	87	1	70	5	11	18.4%
Washington	87	1	77	1	8	10.3%
Pasco	48	1	39	2	6	16.7%
Alachua	41	1	37	0	3	7.3%
Pinellas	41	0	35	3	3	14.6%
Orange	39	0	35	1	3	10.3%
Marion	36	0	30	2	4	16.7%
Saint Johns	36	1	34	1	0	2.8%
Clay	34	1	28	0	5	14.7%
Gadsden	27	1	21	2	3	18.5%
Broward	25	0	20	3	2	20.0%
All Other Counties	920	52	766	23	79	11.1%
TOTALS	46509	572	40392	1127	4418	11.9%