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Flood Insurance in Franklin County, Florida

Your lender set the requirement. Nobody set the price.

Flood insurance paid $18.9 million on 804 claims in Franklin County after Hurricane Michael. That one event was 92% of everything flood insurance paid there in the past decade.[1]

Franklin County at a glance

Flood policies in force in Franklin County
2,165[2]
Flood claims paid in 10 years
$20.6[1]million
CRS discount, unincorporated Franklin County
15%[3]
First FEMA flood map
1983[4]

What floods have cost Franklin County

926[1]

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

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

  1. Hurricane Michael 2018, 804 claims $18.9M
  2. Hurricane Helene 2024, 36 claims $1.1M
  3. Hurricane Hermine 2016, 58 claims $559,161
  4. Hurricane Idalia 2023, 1 claims $11,261
  5. Tropical Storm Fred 2021, 1 claims $2,312
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Flood zones in Franklin County

Same flood zone, very different prices. Your zone decides if a lender requires flood insurance. The price depends on the home itself.

Zone A Zone AE Zone AH Zone VE Zone X [5]

If your home is in a high-risk zone and your mortgage comes from a federally regulated or insured lender, flood insurance is required.

Map of Florida with Franklin County shaded
Franklin County, Florida[6]

What sets the price in Franklin County

Same flood zone, very different prices in Franklin 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 Franklin County: Community Rating System Class 7, 15% discount, on a scale that tops out at 45%. 0% 45%
Unincorporated Franklin County earns 15% off NFIP flood premiums in the high-risk zone.[3]

Find out what your Franklin County address needs

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

Questions about flood insurance in Franklin County

Is flood insurance required in Franklin County?

If your home is in a Special Flood Hazard Area (zones A, AE, AH, VE) and you have a federally backed mortgage, yes. In zone X it is optional. Homeowners insurance does not cover flood. [8][5]

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

Franklin County's 2,165 NFIP policies follow federal rules: 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][2]

What does flood insurance cost in Franklin County?

The county average is $2,070 per year across 2,165 active NFIP policies (FEMA, July 2026). [2]

How much did Hurricane Michael cost Franklin County?

804 NFIP claims and $18.9 million paid in Franklin County, per federal claim records. [1]

Your flood toolkit for Franklin County

  • Emergency management

    Franklin County Emergency Management[10]

    Call (850) 653-8977

  • Flood zone help

    Franklin County floodplain management[11]

    Call (850) 653-9783

Keep reading about flood insurance in Franklin County

Counties next to Franklin County

Sources and dates

  1. FEMA OpenFEMA, FIMA NFIP Redacted Claims v2. Franklin County NFIP claims, last 10 years. Read July 4, 2026.
  2. FEMA OpenFEMA, FIMA NFIP Redacted Policies v2. Franklin County NFIP policies in force. Read July 4, 2026.
  3. FEMA CRS Eligible Communities, October 1, 2026 effective date (PDF). Franklin County Community Rating System class. Read November 4, 2026.
  4. FEMA NFIP Community Status Book, Florida. Franklin County first flood map. Read November 6, 2026.
  5. FEMA National Flood Hazard Layer (NFHL), layer 28 'Flood Hazard Zones', DFIRM_ID 12037C, distinct FLD_ZONE. Franklin County flood zones. Read November 10, 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. franklincountyflorida.com. Franklin County Emergency Management. Read November 6, 2026.
  11. franklincountyflorida.com. Franklin County floodplain management. Read November 6, 2026.
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