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Flood Insurance in Glades County, Florida

Your lender set the requirement. Nobody set the price.

Glades County has 56 flood insurance claims on record, and 170 NFIP flood policies are in force there today.[1]

Glades County at a glance

Flood policies in force in Glades County
170[1]
Flood claims paid in 10 years
$103,535[2]
CRS discount, unincorporated Glades County
15%[3]
First FEMA flood map
1982[4]

What floods have cost Glades County

8[2]

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

Flood claims paid in Glades County, by storm[2]

  1. Hurricane Irma 2017, 5 claims $103,535
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Flood zones in Glades 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 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 Glades County shaded
Glades County, Florida[6]

What sets the price in Glades County

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

Find out what your Glades County address needs

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

Questions about flood insurance in Glades County

Is flood insurance required in Glades County?

If your home is in a Special Flood Hazard Area (zones A, AE, AH) 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 Glades County?

Glades County's 170 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][1]

What does flood insurance cost in Glades County?

The county average is $747 per year across 170 active NFIP policies (FEMA, July 2026). [1]

How much did Hurricane Irma cost Glades County?

5 NFIP claims and $103,535 paid in Glades County, per federal claim records. [2]

Your flood toolkit for Glades County

  • Emergency management

    Glades County Office of Emergency Management[10]

    Call (863) 946-6020

  • Flood zone help

    Glades County Community Development (Planning and Zoning)[11]

    Call (863) 946-6018

  • Special needs

    Special needs shelter sign-up[12]

    Open the sign-up page

  • Alerts

    Get Glades County emergency alerts[10]

    Open the sign-up page

Keep reading about flood insurance in Glades County

Counties next to Glades County

Sources and dates

  1. FEMA OpenFEMA, FIMA NFIP Redacted Policies v2. Glades County NFIP policies in force. Read July 4, 2026.
  2. FEMA OpenFEMA, FIMA NFIP Redacted Claims v2. Glades County NFIP claims, last 10 years. Read July 4, 2026.
  3. FEMA CRS Eligible Communities, October 1, 2026 effective date (PDF). Glades County Community Rating System class. Read November 4, 2026.
  4. FEMA NFIP Community Status Book, Florida. Glades County first flood map. Read November 6, 2026.
  5. FEMA National Flood Hazard Layer (NFHL), layer 28 'Flood Hazard Zones', DFIRM_ID 12043C, distinct FLD_ZONE. Glades 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. myglades.com. Glades County Office of Emergency Management. Read November 11, 2026.
  11. myglades.com. Glades County Community Development (Planning and Zoning). Read November 8, 2026.
  12. myglades.com. Glades County special needs shelter registry. Read November 11, 2026.
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