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Flood Insurance in Flagler County, Florida

Your lender set the requirement. Nobody set the price.

Hurricane Irma paid $42.7 million in flood insurance claims in Flagler County, across 719 claims. That one event was 56% of everything flood insurance paid there in the past decade.[1]

Flagler County at a glance

Flood policies in force in Flagler County
10,034[2]
Flood claims paid in 10 years
$76.3[1]million
CRS discount, unincorporated Flagler County
20%[3]
First FEMA flood map
1986[4]

What floods have cost Flagler County

1,751[1]

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

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

  1. Hurricane Irma 2017, 719 claims $42.7M
  2. Hurricane Nicole 2022, 252 claims $13.6M
  3. Hurricane Ian 2022, 159 claims $4.5M
  4. Hurricane Milton 2024, 65 claims $1.9M
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Flood zones in Flagler 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 Flagler County shaded
Flagler County, Florida[5]

What sets the price in Flagler County

Same flood zone, very different prices in Flagler 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 Flagler County: Community Rating System Class 6, 20% discount, on a scale that tops out at 45%. 0% 45%
Unincorporated Flagler County earns 20% off NFIP flood premiums in the high-risk zone.[3]

Find out what your Flagler County address needs

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

Questions about flood insurance in Flagler County

Is flood insurance required in Flagler 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 Flagler County?

NFIP rules apply the same in Flagler 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 Flagler County?

The county average is $767 per year across 10,034 active NFIP policies (FEMA, July 2026). [2]

How much did Hurricane Irma cost Flagler County?

719 NFIP claims and $42.7 million paid in Flagler County, per federal claim records. [1]

Your flood toolkit for Flagler County

  • Emergency management

    Flagler County Emergency Management[9]

    Call (386) 313-4200

  • Flood zone help

    Flagler County floodplain management (Growth Management / Development Engineering)[10]

    Call (386) 313-4082

Keep reading about flood insurance in Flagler County

Counties next to Flagler County

Sources and dates

  1. FEMA OpenFEMA, FIMA NFIP Redacted Claims v2. Flagler County NFIP claims, last 10 years. Read November 5, 2026.
  2. FEMA OpenFEMA, FIMA NFIP Redacted Policies v2. Flagler County NFIP policies in force. Read July 4, 2026.
  3. FEMA CRS Eligible Communities, October 1, 2026 effective date (PDF). Flagler County Community Rating System class. Read November 4, 2026.
  4. FEMA NFIP Community Status Book, Florida. Flagler 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. flaglercounty.gov. Flagler County Emergency Management. Read November 8, 2026.
  10. flaglercounty.gov. Flagler County floodplain management (Growth Management / Development Engineering). Read November 8, 2026.
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