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Flood Insurance in Escambia County, Florida

Your lender set the requirement. Nobody set the price.

Hurricane Sally alone led to 2,453 NFIP flood claims in Escambia County and $97,946,267 in payouts. That one storm is 93% of all the flood insurance money paid in Escambia County in the past 10 years.[1]

Escambia County at a glance

Flood policies in force in Escambia County
16,337[2]
Flood claims paid in 10 years
$105.2[3]million
CRS discount, unincorporated Escambia County
20%[4]
First FEMA flood map
1977[5]

What floods have cost Escambia County

2,736[3]

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

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

  1. Hurricane Sally 2020, 2,453 claims $97.9M
  2. Tropical Storm Claudette 2021, 2 claims $58,289
  3. Tropical Storm Nicholas 2021, 6 claims $57,432
  4. Hurricane Elsa 2021, 3 claims $27,393
  5. Hurricane Irma 2017, 2 claims $16,490
Escambia County is the record. Your street is next: check your address.

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Flood zones in Escambia 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 Escambia County shaded
Escambia County, Florida[6]

What sets the price in Escambia County

Same flood zone, very different prices in Escambia 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 Escambia County: Community Rating System Class 6, 20% discount, on a scale that tops out at 45%. 0% 45%
Unincorporated Escambia County earns 20% off NFIP flood premiums in the high-risk zone.[4]

Find out what your Escambia County address needs

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

Questions about flood insurance in Escambia County

Is flood insurance required in Escambia 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 Escambia County?

NFIP rules apply the same in Escambia 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 Escambia County?

The county average is $738 per year across 16,337 active NFIP policies (FEMA, July 2026). [2]

How much did Hurricane Sally cost Escambia County?

2,453 NFIP claims and $97.9 million paid in Escambia County, per federal claim records. [3]

Your flood toolkit for Escambia County

  • Emergency management

    BeReady[10]

  • Flood zone help

    Escambia County floodplain management[11]

    Call (850) 595-3550

  • Your evacuation zone

    Look up your Escambia County evacuation zone[12]

    Open the county's page

Keep reading about flood insurance in Escambia County

Sources and dates

  1. FEMA OpenFEMA, FIMA NFIP Redacted Claims v2. Escambia County NFIP flood claims. Read November 4, 2026.
  2. FEMA OpenFEMA, FIMA NFIP Redacted Policies v2. Escambia County NFIP policies in force. Read July 4, 2026.
  3. FEMA OpenFEMA, FIMA NFIP Redacted Claims v2. Escambia County NFIP claims, last 10 years. Read November 4, 2026.
  4. FEMA CRS Eligible Communities, October 1, 2026 effective date (PDF). Escambia County Community Rating System class. Read October 24, 2026.
  5. FEMA NFIP Community Status Book, Florida. Escambia 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. myescambia.com. BeReady. Read November 4, 2026.
  11. myescambia.com. Escambia County floodplain management. Read November 4, 2026.
  12. myescambia.com. Escambia County evacuation zone lookup. Read November 1, 2026.
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