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

Flood Insurance in Brevard County, Florida

Your lender set the requirement. Nobody set the price.

Hurricane Irma alone led to 776 NFIP flood claims in Brevard County and $19,662,684 in payouts. That one storm is 59% of all the flood insurance money paid in Brevard County in the past 10 years.[1]

Brevard County at a glance

Flood policies in force in Brevard County
40,722[2]
Flood claims paid in 10 years
$33.3[3]million
CRS discount, unincorporated Brevard County
10%[4]
First FEMA flood map
1972[5]

What floods have cost Brevard County

1,505[3]

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

Flood claims paid in Brevard County, by storm[3]

  1. Hurricane Irma 2017, 776 claims $19.7M
  2. Hurricane Ian 2022, 114 claims $2.7M
  3. Hurricane Milton 2024, 48 claims $1.2M
  4. Hurricane Nicole 2022, 35 claims $580,824
  5. Nor'easter 2025, 3 claims $46,339
Brevard 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 Brevard 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 Brevard County shaded
Brevard County, Florida[6]

What sets the price in Brevard County

Same flood zone, very different prices in Brevard 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.[7]

  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 Brevard County: Community Rating System Class 8, 10% discount, on a scale that tops out at 45%. 0% 45%
Unincorporated Brevard County earns 10% off NFIP flood premiums in the high-risk zone.[4]

Find out what your Brevard County address needs

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

Questions about flood insurance in Brevard County

Is flood insurance required in Brevard 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. [8]

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

NFIP rules apply the same in Brevard 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). [9]

What does flood insurance cost in Brevard County?

The county average is $678 per year across 40,722 active NFIP policies (FEMA, July 2026). [2]

How much did Hurricane Irma cost Brevard County?

776 NFIP claims and $19.7 million paid in Brevard County, per federal claim records. [3]

Your flood toolkit for Brevard County

  • Emergency management

    Brevard County Emergency Management Office[10]

    Call (321) 637-6670

  • Flood zone help

    Floodplain Administration Desk, Brevard County Public Works Department[11]

    Call (321) 617-7340

Keep reading about flood insurance in Brevard County

Counties next to Brevard County

Sources and dates

  1. FEMA OpenFEMA, FIMA NFIP Redacted Claims v2. Brevard County NFIP flood claims. Read November 4, 2026.
  2. FEMA OpenFEMA, FIMA NFIP Redacted Policies v2. Brevard County NFIP policies in force. Read July 4, 2026.
  3. FEMA OpenFEMA, FIMA NFIP Redacted Claims v2. Brevard County NFIP claims, last 10 years. Read November 4, 2026.
  4. FEMA CRS Eligible Communities, October 1, 2026 effective date (PDF). Brevard County Community Rating System class. Read November 4, 2026.
  5. FEMA NFIP Community Status Book, Florida. Brevard County first flood map. Read November 4, 2026.
  6. 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.
  7. 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.
  8. 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.
  9. 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.
  10. brevardfl.gov. Brevard County Emergency Management Office. Read November 8, 2026.
  11. brevardfl.gov. Floodplain Administration Desk, Brevard County Public Works Department. Read November 8, 2026.
Check my address Call Text