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Flood Insurance in Madison County, Florida

Your lender set the requirement. Nobody set the price.

Madison County has 84 flood insurance claims on record, and 80 NFIP flood policies are in force there today.[1]

Madison County at a glance

Flood policies in force in Madison County
80[1]
Flood claims paid in 10 years
$89,026[2]
CRS discount, unincorporated Madison County
10%[3]
First FEMA flood map
1987[4]

What floods have cost Madison County

4[2]

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

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

  1. Hurricane Debby 2024, 3 claims $89,026
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Flood zones in Madison 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 Madison County shaded
Madison County, Florida[6]

What sets the price in Madison County

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

Find out what your Madison County address needs

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

Questions about flood insurance in Madison County

Is flood insurance required in Madison 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 Madison County?

Madison County's 80 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 Madison County?

The county average is $706 per year across 80 active NFIP policies (FEMA, July 2026). [1]

How much did Hurricane Debby cost Madison County?

3 NFIP claims and $89,026 paid in Madison County, per federal claim records. [2]

Your flood toolkit for Madison County

Keep reading about flood insurance in Madison County

Counties next to Madison County

Sources and dates

  1. FEMA OpenFEMA, FIMA NFIP Redacted Policies v2. Madison County NFIP policies in force. Read July 4, 2026.
  2. FEMA OpenFEMA, FIMA NFIP Redacted Claims v2. Madison County NFIP claims, last 10 years. Read July 4, 2026.
  3. FEMA CRS Eligible Communities, October 1, 2026 effective date (PDF). Madison County Community Rating System class. Read November 4, 2026.
  4. FEMA NFIP Community Status Book, Florida. Madison County first flood map. Read November 7, 2026.
  5. FEMA National Flood Hazard Layer (NFHL), layer 28 'Flood Hazard Zones', DFIRM_ID 12079C, distinct FLD_ZONE. Madison 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. madisoncountyfl.com. Emergency Management. Read November 11, 2026.
  11. madisoncountyfl.com. Madison County CRS Coordinator. Read November 8, 2026.
  12. madisoncountyfl.com. Madison County special needs shelter registry. Read November 11, 2026.
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