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Flood Insurance in Orange County, Florida

Your lender set the requirement. Nobody set the price.

Hurricane Ian alone led to 872 NFIP flood claims in Orange County and $59,799,847 in payouts. That one storm is more than 85% of all the flood insurance money paid in Orange County in the past 10 years.[1]

Orange County at a glance

Flood policies in force in Orange County
16,357[2]
Flood claims paid in 10 years
$69[3]million
CRS discount, unincorporated Orange County
25%[4]
First FEMA flood map
1981[5]

What floods have cost Orange County

1,327[3]

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

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

  1. Hurricane Ian 2022, 872 claims $59.8M
  2. Hurricane Irma 2017, 201 claims $3.9M
  3. Hurricane Milton 2024, 81 claims $3.5M
  4. Hurricane Nicole 2022, 15 claims $76,099
  5. Hurricane Sally 2020, 2 claims $26,132
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Flood zones in Orange County

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

Map of Florida with Orange County shaded
Orange County, Florida[6]

What sets the price in Orange County

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

Find out what your Orange County address needs

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

Questions about flood insurance in Orange County

Is flood insurance required in Orange County?

If your home is in a Special Flood Hazard Area and you have a federally backed mortgage, yes. Homeowners insurance does not cover flood. [8]

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

NFIP rules apply the same in Orange 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). [9]

What does flood insurance cost in Orange County?

The county average is $498 per year across 16,357 active NFIP policies (FEMA, July 2026). [2]

How much did Hurricane Ian cost Orange County?

872 NFIP claims and $59.8 million paid in Orange County, per federal claim records. [3]

Your flood toolkit for Orange County

  • Emergency management

    Stormwater Management Division[10]

    Call (407) 836-9140

  • Flood zone help

    Orange County floodplain management[11]

    Call (407) 836-5612

Keep reading about flood insurance in Orange County

Counties next to Orange County

Sources and dates

  1. FEMA OpenFEMA, FIMA NFIP Redacted Claims v2. Orange County NFIP flood claims. Read November 4, 2026.
  2. FEMA OpenFEMA, FIMA NFIP Redacted Policies v2. Orange County NFIP policies in force. Read July 4, 2026.
  3. FEMA OpenFEMA, FIMA NFIP Redacted Claims v2. Orange County NFIP claims, last 10 years. Read November 4, 2026.
  4. FEMA CRS Eligible Communities, October 1, 2026 effective date (PDF). Orange County Community Rating System class. Read October 24, 2026.
  5. FEMA NFIP Community Status Book, Florida. Orange County first flood map. Read November 4, 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. orangecountyfl.net. Stormwater Management Division. Read November 4, 2026.
  11. orangecountyfl.net. Orange County floodplain management. Read November 4, 2026.
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