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Flood Insurance in Leon County, Florida

Your lender set the requirement. Nobody set the price.

Flood insurance has paid $1.8 million on 88 claims in Leon County over the past decade.[1]

Leon County at a glance

Flood policies in force in Leon County
2,590[2]
Flood claims paid in 10 years
$1.8[1]million
CRS discount, unincorporated Leon County
25%[3]
First FEMA flood map
1982[4]

What floods have cost Leon County

88[1]

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

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

  1. Hurricane Michael 2018, 8 claims $37,079
  2. Hurricane Sally 2020, 1 claims $7,081
  3. December Nor'easter 2023, 1 claims $6,640
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Flood zones in Leon 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 Leon County shaded
Leon County, Florida[6]

What sets the price in Leon County

Same flood zone, very different prices in Leon 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 Leon County: Community Rating System Class 5, 25% discount, on a scale that tops out at 45%. 0% 45%
Unincorporated Leon County earns 25% off NFIP flood premiums in the high-risk zone.[3]

Find out what your Leon County address needs

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

Questions about flood insurance in Leon County

Is flood insurance required in Leon 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 Leon County?

Leon County's 2,590 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 Leon County?

The county average is $848 per year across 2,590 active NFIP policies (FEMA, July 2026). [2]

How much did Hurricane Michael cost Leon County?

8 NFIP claims and $37,079 paid in Leon County, per federal claim records. [1]

Your flood toolkit for Leon County

  • Flood zone help

    Leon County floodplain management[10]

    Call (850) 606-1300

Keep reading about flood insurance in Leon County

Counties next to Leon County

Sources and dates

  1. FEMA OpenFEMA, FIMA NFIP Redacted Claims v2. Leon County NFIP claims, last 10 years. Read July 4, 2026.
  2. FEMA OpenFEMA, FIMA NFIP Redacted Policies v2. Leon County NFIP policies in force. Read July 4, 2026.
  3. FEMA CRS Eligible Communities, October 1, 2026 effective date (PDF). Leon County Community Rating System class. Read November 4, 2026.
  4. FEMA NFIP Community Status Book, Florida. Leon County first flood map. Read November 7, 2026.
  5. FEMA National Flood Hazard Layer (NFHL), layer 28 'Flood Hazard Zones', DFIRM_ID 12073C, distinct FLD_ZONE. Leon 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. leoncountyfl.gov. Leon County floodplain management. Read November 7, 2026.
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