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Flood Insurance in Hendry County, Florida

Your lender set the requirement. Nobody set the price.

Flood insurance has paid $297,467 on 34 claims in Hendry County over the past decade.[1]

Hendry County at a glance

Flood policies in force in Hendry County
701[2]
Flood claims paid in 10 years
$297,467[1]
CRS discount, unincorporated Hendry County
10%[3]
First FEMA flood map
1982[4]

What floods have cost Hendry County

34[1]

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

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

  1. Hurricane Irma 2017, 18 claims $218,893
  2. Hurricane Ian 2022, 2 claims $69,754
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Flood zones in Hendry 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 Hendry County shaded
Hendry County, Florida[6]

What sets the price in Hendry County

Same flood zone, very different prices in Hendry 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 Hendry County: Community Rating System Class 8, 10% discount, on a scale that tops out at 45%. 0% 45%
Unincorporated Hendry County earns 10% off NFIP flood premiums in the high-risk zone.[3]

Find out what your Hendry County address needs

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

Questions about flood insurance in Hendry County

Is flood insurance required in Hendry 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 Hendry County?

Hendry County's 701 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 Hendry County?

The county average is $1,013 per year across 701 active NFIP policies (FEMA, July 2026). [2]

How much did Hurricane Irma cost Hendry County?

18 NFIP claims and $218,893 paid in Hendry County, per federal claim records. [1]

Your flood toolkit for Hendry County

  • Emergency management

    Hendry County Emergency Management[10]

    Call (863) 674-5400

  • Flood zone help

    Hendry County floodplain management[11]

    Call (863) 675-5329

Keep reading about flood insurance in Hendry County

Counties next to Hendry County

Sources and dates

  1. FEMA OpenFEMA, FIMA NFIP Redacted Claims v2. Hendry County NFIP claims, last 10 years. Read July 4, 2026.
  2. FEMA OpenFEMA, FIMA NFIP Redacted Policies v2. Hendry County NFIP policies in force. Read July 4, 2026.
  3. FEMA CRS Eligible Communities, October 1, 2026 effective date (PDF). Hendry County Community Rating System class. Read November 4, 2026.
  4. FEMA NFIP Community Status Book, Florida. Hendry County first flood map. Read November 6, 2026.
  5. FEMA National Flood Hazard Layer (NFHL), layer 28 'Flood Hazard Zones', DFIRM_ID 12051C, distinct FLD_ZONE. Hendry 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. hendryfla.net. Hendry County Emergency Management. Read November 6, 2026.
  11. hendryfla.net. Hendry County floodplain management. Read November 6, 2026.
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