Call or text (727) 516-0111Check my address

Flood Insurance in Baker County, Florida

Your lender set the requirement. Nobody set the price.

Flood insurance has paid $1.1 million on 25 claims in Baker County over the past decade.[1]

Baker County at a glance

Flood policies in force in Baker County
151[2]
Flood claims paid in 10 years
$1.1[1]million
CRS discount, unincorporated Baker County
0%[3]
First FEMA flood map
1991[4]

What floods have cost Baker County

25[1]

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

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

  1. Hurricane Irma 2017, 21 claims $894,319
  2. Hurricane Debby 2024, 2 claims $31,928
Baker County is the record. Your street is next: check your address.

That is the county. What about your street? Check my address

Flood zones in Baker 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 Baker County shaded
Baker County, Florida[5]

What sets the price in Baker County

Same flood zone, very different prices in Baker 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 Baker County: Community Rating System Class 10, 0% discount, on a scale that tops out at 45%. 0% 45%
Unincorporated Baker County earns 0% off NFIP flood premiums in the high-risk zone.[3]

Find out what your Baker County address needs

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

Questions about flood insurance in Baker County

Is flood insurance required in Baker 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 Baker County?

NFIP rules apply the same in Baker 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 Baker County?

The county average is $810 per year across 151 active NFIP policies (FEMA, July 2026). [2]

How much did Hurricane Irma cost Baker County?

21 NFIP claims and $894,319 paid in Baker County, per federal claim records. [1]

Your flood toolkit for Baker County

  • Emergency management

    Baker County Sheriff's Office, Division of Emergency Management[9]

    Call (904) 259-2861

Keep reading about flood insurance in Baker County

Counties next to Baker County

Sources and dates

  1. FEMA OpenFEMA, FIMA NFIP Redacted Claims v2. Baker County NFIP claims, last 10 years. Read November 5, 2026.
  2. FEMA OpenFEMA, FIMA NFIP Redacted Policies v2. Baker County NFIP policies in force. Read July 4, 2026.
  3. FEMA CRS Eligible Communities, October 1, 2026 effective date (PDF). Baker County Community Rating System class. Read November 4, 2026.
  4. FEMA NFIP Community Status Book, Florida. Baker 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. bakercountysheriffsoffice.squarespace.com. Baker County Sheriff's Office, Division of Emergency Management. Read November 8, 2026.
Check my address Call Text