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Flood Insurance in Osceola County, Florida

Your lender set the requirement. Nobody set the price.

Hurricane Ian alone led to 390 NFIP flood claims in Osceola County and $21,188,044 in payouts. That one storm is 88% of all the flood insurance money paid in Osceola County in the past 10 years.[1]

Osceola County at a glance

Flood policies in force in Osceola County
8,842[2]
Flood claims paid in 10 years
$24[3]million
CRS discount, unincorporated Osceola County
25%[4]
First FEMA flood map
1982[5]

What floods have cost Osceola County

641[3]

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

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

  1. Hurricane Ian 2022, 390 claims $21.2M
  2. Hurricane Irma 2017, 173 claims $2.4M
  3. Hurricane Milton 2024, 16 claims $79,216
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Flood zones in Osceola 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 Osceola County shaded
Osceola County, Florida[6]

What sets the price in Osceola County

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

Find out what your Osceola County address needs

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

Questions about flood insurance in Osceola County

Is flood insurance required in Osceola 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 Osceola County?

NFIP rules apply the same in Osceola 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 Osceola County?

The county average is $506 per year across 8,842 active NFIP policies (FEMA, July 2026). [2]

How much did Hurricane Ian cost Osceola County?

390 NFIP claims and $21.2 million paid in Osceola County, per federal claim records. [3]

Your flood toolkit for Osceola County

  • Emergency management

    Osceola County Office of Emergency Management[10]

    Call (407) 742-9000

  • Flood zone help

    Osceola County Community Development Department[11]

    Call (407) 742-0200

Keep reading about flood insurance in Osceola County

Counties next to Osceola County

Sources and dates

  1. FEMA OpenFEMA, FIMA NFIP Redacted Claims v2. Osceola County NFIP flood claims. Read November 4, 2026.
  2. FEMA OpenFEMA, FIMA NFIP Redacted Policies v2. Osceola County NFIP policies in force. Read July 4, 2026.
  3. FEMA OpenFEMA, FIMA NFIP Redacted Claims v2. Osceola County NFIP claims, last 10 years. Read November 4, 2026.
  4. FEMA CRS Eligible Communities, October 1, 2026 effective date (PDF). Osceola County Community Rating System class. Read November 4, 2026.
  5. FEMA NFIP Community Status Book, Florida. Osceola 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. osceola.org. Osceola County Office of Emergency Management. Read November 4, 2026.
  11. osceola.org. Osceola County Community Development Department. Read November 4, 2026.
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