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Flood Insurance in Marion County, Florida

Your lender set the requirement. Nobody set the price.

Flood insurance paid $3.3 million on 58 claims in Marion County after Hurricane Irma. That one event was 67% of everything flood insurance paid there in the past decade.[1]

Marion County at a glance

Flood policies in force in Marion County
3,578[2]
Flood claims paid in 10 years
$4.9[1]million
CRS discount, unincorporated Marion County
15%[3]
First FEMA flood map
1983[4]

What floods have cost Marion County

104[1]

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

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

  1. Hurricane Irma 2017, 58 claims $3.3M
  2. Hurricane Debby 2024, 4 claims $22,773
  3. Hurricane Milton 2024, 3 claims $8,612
  4. Hurricane Ian 2022, 1 claims $5,400
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Flood zones in Marion 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 Marion County shaded
Marion County, Florida[6]

What sets the price in Marion County

Same flood zone, very different prices in Marion 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 Marion County: Community Rating System Class 7, 15% discount, on a scale that tops out at 45%. 0% 45%
Unincorporated Marion County earns 15% off NFIP flood premiums in the high-risk zone.[3]

Find out what your Marion County address needs

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

Questions about flood insurance in Marion County

Is flood insurance required in Marion 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 Marion County?

Marion County's 3,578 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 Marion County?

The county average is $549 per year across 3,578 active NFIP policies (FEMA, July 2026). [2]

How much did Hurricane Irma cost Marion County?

58 NFIP claims and $3.3 million paid in Marion County, per federal claim records. [1]

Your flood toolkit for Marion County

  • Flood zone help

    Marion County Growth Services[10]

    Call (352) 438-2675

Keep reading about flood insurance in Marion County

Counties next to Marion County

Sources and dates

  1. FEMA OpenFEMA, FIMA NFIP Redacted Claims v2. Marion County NFIP claims, last 10 years. Read July 4, 2026.
  2. FEMA OpenFEMA, FIMA NFIP Redacted Policies v2. Marion County NFIP policies in force. Read July 4, 2026.
  3. FEMA CRS Eligible Communities, October 1, 2026 effective date (PDF). Marion County Community Rating System class. Read November 4, 2026.
  4. FEMA NFIP Community Status Book, Florida. Marion County first flood map. Read November 7, 2026.
  5. FEMA Flood Insurance Study 12083CV001B, Marion County, Florida and Incorporated Areas, Volume 1 of 5, revised April 19, 2017, Table 3 'Flood Zone Designations by Community'. Marion 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. marionfl.org. Marion County Growth Services. Read November 8, 2026.
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