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Flood Insurance in Alachua County, Florida

Your lender set the requirement. Nobody set the price.

Hurricane Irma paid $3.9 million in flood insurance claims in Alachua County, across 82 claims. That one event was 62% of everything flood insurance paid there in the past decade.[1]

Alachua County at a glance

Flood policies in force in Alachua County
2,930[2]
Flood claims paid in 10 years
$6.4[1]million
CRS discount, unincorporated Alachua County
25%[3]
First FEMA flood map
1984[4]

What floods have cost Alachua County

142[1]

Flood claims filed in Alachua County in the last 10 years.

Flood claims paid in Alachua County, by storm[1]

  1. Hurricane Irma 2017, 82 claims $3.9M
  2. Hurricane Elsa 2021, 25 claims $2.2M
  3. Hurricane Debby 2024, 2 claims $22,071
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Flood zones in Alachua County

Same flood zone, very different prices. Your zone decides if a lender requires flood insurance. The price depends on the home itself.

Map of Florida with Alachua County shaded
Alachua County, Florida[5]

What sets the price in Alachua County

Same flood zone, very different prices in Alachua County. Here is why.

Your zone decides whether the lender requires flood insurance. It does not set your NFIP price. Since 2021, FEMA prices each policy from the building and its spot.[6]

  1. How often the spot floods. FEMA looks at how often flooding reaches the building's location.
  2. How close it sits to water. The distance from the building to a flooding source.
  3. The building itself. How high the first floor sits and what it would cost to rebuild.
Unincorporated Alachua County: Community Rating System Class 5, 25% discount, on a scale that tops out at 45%. 0% 45%
Unincorporated Alachua County earns 25% off NFIP flood premiums in the high-risk zone.[3]

Find out what your Alachua County address needs

Your flood zone and your community's discount, in one check.

Questions about flood insurance in Alachua County

Is flood insurance required in Alachua County?

If your home is in a Special Flood Hazard Area and you have a federally backed mortgage, yes. Homeowners insurance does not cover flood. [7]

Is there a waiting period for flood insurance in Alachua County?

NFIP rules apply the same in Alachua County: 30 days for a standard NFIP purchase. No wait when the policy is bought as part of getting, refinancing, increasing, extending or renewing a loan on the home. One day when a new flood map just placed the home in a high-risk zone (within 13 months of the map date). [8]

What does flood insurance cost in Alachua County?

The county average is $611 per year across 2,930 active NFIP policies (FEMA, July 2026). [2]

How much did Hurricane Irma cost Alachua County?

82 NFIP claims and $3.9 million paid in Alachua County, per federal claim records. [1]

Your flood toolkit for Alachua County

  • Emergency management

    Emergency Management[9]

    Call (352) 374-5204

  • Flood zone help

    Alachua County floodplain management[10]

    Call (352) 337-6140

  • Your evacuation zone

    Look up your Alachua County evacuation zone[9]

    Open the county's page

Keep reading about flood insurance in Alachua County

Counties next to Alachua County

Sources and dates

  1. FEMA OpenFEMA, FIMA NFIP Redacted Claims v2. Alachua County NFIP claims, last 10 years. Read November 5, 2026.
  2. FEMA OpenFEMA, FIMA NFIP Redacted Policies v2. Alachua County NFIP policies in force. Read July 4, 2026.
  3. FEMA CRS Eligible Communities, October 1, 2026 effective date (PDF). Alachua County Community Rating System class. Read November 4, 2026.
  4. FEMA NFIP Community Status Book, Florida. Alachua County first flood map. Read November 5, 2026.
  5. U.S. Census Bureau, cartographic boundary files, 2017 edition, 1:10,000,000 (as redistributed in us-atlas 3.0.1). County and state outlines on the map. Read October 27, 2026.
  6. FEMA, Understanding Risk Rating 2.0 fact sheet, July 2025. The rating variables: frequency of flooding, proximity to flood sources, first floor height and the cost to rebuild; Risk Rating 2.0 since October 1, 2021. Read October 26, 2026.
  7. 42 U.S.C. 4012a, Flood insurance purchase requirements. A federally regulated lender requires flood insurance on a building in a Special Flood Hazard Area. Read October 26, 2026.
  8. 44 CFR 61.11, Effective date and time of coverage. The 30-day wait, the loan exception and the map revision exception. Read October 29, 2026.
  9. alachuacounty.us. Emergency Management. Read November 5, 2026.
  10. alachuacounty.us. Alachua County floodplain management. Read November 5, 2026.
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