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Flood Insurance in Dixie County, Florida

Your lender set the requirement. Nobody set the price.

Hurricane Helene paid $9.0 million in flood insurance claims in Dixie County, across 145 claims. That one event was 61% of everything flood insurance paid there in the past decade.[1]

Dixie County at a glance

Flood policies in force in Dixie County
496[2]
Flood claims paid in 10 years
$14.8[1]million
First FEMA flood map
1983[3]

What floods have cost Dixie County

337[1]

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

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

  1. Hurricane Helene 2024, 145 claims $9M
  2. Hurricane Idalia 2023, 75 claims $3.1M
  3. Hurricane Michael 2018, 7 claims $180,204
  4. Hurricane Debby 2024, 8 claims $167,447
  5. Hurricane Milton 2024, 3 claims $87,200
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Flood zones in Dixie 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 Dixie County shaded
Dixie County, Florida[4]

What sets the price in Dixie County

Same flood zone, very different prices in Dixie 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.[5]

  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.

Find out what your Dixie County address needs

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

Questions about flood insurance in Dixie County

Is flood insurance required in Dixie 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. [6]

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

NFIP rules apply the same in Dixie 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). [7]

What does flood insurance cost in Dixie County?

The county average is $1,293 per year across 496 active NFIP policies (FEMA, July 2026). [2]

How much did Hurricane Helene cost Dixie County?

145 NFIP claims and $9 million paid in Dixie County, per federal claim records. [1]

Your flood toolkit for Dixie County

  • Emergency management

    Dixie County Emergency Management (Division Chief Scott Garner)[8]

    Call (352) 498-1240

  • Flood zone help

    Dixie County Building Department (Community Development)[9]

    Call (352) 498-1235

Keep reading about flood insurance in Dixie County

Sources and dates

  1. FEMA OpenFEMA, FIMA NFIP Redacted Claims v2. Dixie County NFIP claims, last 10 years. Read November 5, 2026.
  2. FEMA OpenFEMA, FIMA NFIP Redacted Policies v2. Dixie County NFIP policies in force. Read July 4, 2026.
  3. FEMA NFIP Community Status Book, Florida. Dixie County first flood map. Read November 5, 2026.
  4. 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.
  5. 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.
  6. 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.
  7. 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.
  8. dixiecounty.us. Dixie County Emergency Management (Division Chief Scott Garner). Read November 8, 2026.
  9. dixiecounty.us. Dixie County Building Department (Community Development). Read November 8, 2026.
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