Call or text (727) 516-0111Check my address

Flood Insurance in Lafayette County, Florida

Your lender set the requirement. Nobody set the price.

Lafayette County has 207 flood insurance claims on record, and 148 NFIP flood policies are in force there today.[1]

Lafayette County at a glance

Flood policies in force in Lafayette County
148[1]
Flood claims paid in 10 years
$21,912[2]
First FEMA flood map
1987[3]

What floods have cost Lafayette County

3[2]

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

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

  1. Hurricane Debby 2024, 1 claims $18,052
  2. Hurricane Hermine 2016, 1 claims $3,860
Lafayette County is the record. Your street is next: check your address.

That is the county. What about your street? Check my address

Flood zones in Lafayette 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 X [4]

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 Lafayette County shaded
Lafayette County, Florida[5]

What sets the price in Lafayette County

Same flood zone, very different prices in Lafayette 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.

Find out what your Lafayette County address needs

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

Questions about flood insurance in Lafayette County

Is flood insurance required in Lafayette County?

If your home is in a Special Flood Hazard Area (zones A, AE) and you have a federally backed mortgage, yes. In zone X it is optional. Homeowners insurance does not cover flood. [7][4]

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

Lafayette County's 148 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). [8][1]

What does flood insurance cost in Lafayette County?

The county average is $867 per year across 148 active NFIP policies (FEMA, July 2026). [1]

How much did Hurricane Debby cost Lafayette County?

1 NFIP claims and $18,052 paid in Lafayette County, per federal claim records. [2]

Your flood toolkit for Lafayette County

  • Emergency management

    Lafayette County Emergency Management Department[9]

    Call (386) 294-1950

  • Flood zone help

    Lafayette County & Town of Mayo Building Dept. (Garret Land, Building Official / Flood Plain Administrator)[10]

    Call (386) 294-3611

Keep reading about flood insurance in Lafayette County

Counties next to Lafayette County

Sources and dates

  1. FEMA OpenFEMA, FIMA NFIP Redacted Policies v2. Lafayette County NFIP policies in force. Read July 4, 2026.
  2. FEMA OpenFEMA, FIMA NFIP Redacted Claims v2. Lafayette County NFIP claims, last 10 years. Read July 4, 2026.
  3. FEMA NFIP Community Status Book, Florida. Lafayette County first flood map. Read November 7, 2026.
  4. FEMA National Flood Hazard Layer (NFHL), layer 28 'Flood Hazard Zones', DFIRM_ID 12067C, distinct FLD_ZONE. Lafayette County flood zones. Read November 10, 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. lafayettecountyfl.org. Lafayette County Emergency Management Department. Read November 7, 2026.
  10. lafayette-clerk.s3.amazonaws.com. Lafayette County & Town of Mayo Building Dept. (Garret Land, Building Official / Flood Plain Administrator). Read November 8, 2026.
Check my address Call Text