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Flood Insurance in Lake County, Florida

Your lender set the requirement. Nobody set the price.

Flood insurance paid $2.2 million on 70 claims in Lake County after Hurricane Milton. That one event was 37% of everything flood insurance paid there in the past decade.[1]

Lake County at a glance

Flood policies in force in Lake County
3,724[2]
Flood claims paid in 10 years
$6[1]million
CRS discount, unincorporated Lake County
20%[3]
First FEMA flood map
1982[4]

What floods have cost Lake County

284[1]

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

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

  1. Hurricane Milton 2024, 70 claims $2.2M
  2. Hurricane Irma 2017, 99 claims $1.9M
  3. Hurricane Ian 2022, 45 claims $808,668
  4. Hurricane Matthew 2016, 4 claims $23,742
  5. Hurricane Nicole 2022, 5 claims $4,064
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Flood zones in Lake 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 [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 Lake County shaded
Lake County, Florida[6]

What sets the price in Lake County

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

Find out what your Lake County address needs

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

Questions about flood insurance in Lake County

Is flood insurance required in Lake 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. [8][5]

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

Lake County's 3,724 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 Lake County?

The county average is $636 per year across 3,724 active NFIP policies (FEMA, July 2026). [2]

How much did Hurricane Milton cost Lake County?

70 NFIP claims and $2.2 million paid in Lake County, per federal claim records. [1]

Your flood toolkit for Lake County

  • Flood zone help

    Lake County Public Works - Floodplain Administration[10]

    Call (352) 253-9081

Keep reading about flood insurance in Lake County

Counties next to Lake County

Sources and dates

  1. FEMA OpenFEMA, FIMA NFIP Redacted Claims v2. Lake County NFIP claims, last 10 years. Read July 4, 2026.
  2. FEMA OpenFEMA, FIMA NFIP Redacted Policies v2. Lake County NFIP policies in force. Read July 4, 2026.
  3. FEMA CRS Eligible Communities, October 1, 2026 effective date (PDF). Lake County Community Rating System class. Read November 4, 2026.
  4. FEMA NFIP Community Status Book, Florida. Lake County first flood map. Read November 7, 2026.
  5. FEMA National Flood Hazard Layer (NFHL), layer 28 'Flood Hazard Zones', DFIRM_ID 12069C, distinct FLD_ZONE. Lake 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. cdn.lakecountyfl.gov. Lake County Public Works - Floodplain Administration. Read November 8, 2026.
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