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Flood Insurance in Martin County, Florida

Your lender set the requirement. Nobody set the price.

Not all flood money in Martin County comes from hurricanes. In the past 10 years, $1,666,721 across 130 NFIP flood claims in Martin County was paid for rain and other flooding with no storm name. That is more than a third of all the flood insurance money paid in Martin County in that time.[1]

Martin County at a glance

Flood policies in force in Martin County
13,500[2]
Flood claims paid in 10 years
$4.5[3]million
CRS discount, unincorporated Martin County
25%[4]
First FEMA flood map
1981[5]

What floods have cost Martin County

260[3]

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

Flood claims paid in Martin County, by storm[3]

  1. Hurricane Nicole 2022, 31 claims $1.8M
  2. Hurricane Irma 2017, 45 claims $829,991
  3. Tropical Storm Fred 2021, 5 claims $125,963
  4. Hurricane Eta 2020, 5 claims $71,431
  5. Hurricane Ian 2022, 5 claims $3,499
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Flood zones in Martin County

Same flood zone, very different prices. Your zone decides if a lender requires flood insurance. The price depends on the home itself.

A zones Zone AE Zone AH Zone AO Zone VE [6]

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 Martin County shaded
Martin County, Florida[7]

What sets the price in Martin County

Same flood zone, very different prices in Martin 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.[8]

  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 Martin County: Community Rating System Class 5, 25% discount, on a scale that tops out at 45%. 0% 45%
Unincorporated Martin County earns 25% off NFIP flood premiums in the high-risk zone.[4]

Find out what your Martin County address needs

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

Questions about flood insurance in Martin County

Is flood insurance required in Martin County?

If your home is in a Special Flood Hazard Area (zones A, AE, AH, AO, VE) and you have a federally backed mortgage, yes. Homeowners insurance does not cover flood. [9][6]

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

NFIP rules apply the same in Martin County: 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). [10]

What does flood insurance cost in Martin County?

The county average is $809 per year across 13,500 active NFIP policies (FEMA, July 2026). [2]

How much did Hurricane Nicole cost Martin County?

31 NFIP claims and $1.8 million paid in Martin County, per federal claim records. [3]

Your flood toolkit for Martin County

  • Emergency management

    Emergency Management[11]

    Call (772) 287-1652

  • Flood zone help

    Martin County Floodplain Coordinator[6]

    Call (772) 288-5466

  • Your evacuation zone

    Look up your Martin County evacuation zone[12]

    Open the county's page

Keep reading about flood insurance in Martin County

Counties next to Martin County

Sources and dates

  1. FEMA OpenFEMA, NFIP Redacted Claims (API v3). Martin County NFIP flood claims. Read November 4, 2026.
  2. FEMA OpenFEMA, FIMA NFIP Redacted Policies v2. Martin County NFIP policies in force. Read July 4, 2026.
  3. FEMA OpenFEMA, FIMA NFIP Redacted Claims v2. Martin County NFIP claims, last 10 years. Read November 4, 2026.
  4. FEMA CRS Eligible Communities, October 1, 2026 effective date (PDF). Martin County Community Rating System class. Read November 4, 2026.
  5. FEMA NFIP Community Status Book, Florida. Martin County first flood map. Read November 4, 2026.
  6. martin.fl.us. Martin County flood zones. Read November 8, 2026.
  7. 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.
  8. 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.
  9. 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.
  10. 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.
  11. martin.fl.us. Emergency Management. Read November 4, 2026.
  12. martin.fl.us. Martin County evacuation zone lookup. Read November 1, 2026.
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