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Flood Insurance in Palm Beach County, Florida

Your lender set the requirement. Nobody set the price.

Most of the flood insurance money paid in Palm Beach County in the past 10 years came from floods with no storm name. 65% of it, $10,312,195 across 536 NFIP claims, was paid for rain and other flooding that FEMA never tied to a hurricane or named storm.[1]

Palm Beach County at a glance

Flood policies in force in Palm Beach County
122,587[2]
Flood claims paid in 10 years
$15.6[3]million
CRS discount, unincorporated Palm Beach County
25%[4]
First FEMA flood map
1979[5]

What floods have cost Palm Beach County

1,081[3]

Flood claims filed in Palm Beach County in the last 10 years.

Flood claims paid in Palm Beach County, by storm[3]

  1. Hurricane Irma 2017, 423 claims $4.2M
  2. Tropical Storm Alex 2022, 9 claims $571,451
  3. Hurricane Nicole 2022, 13 claims $313,228
  4. Hurricane Eta 2020, 36 claims $258,409
  5. Hurricane Ian 2022, 16 claims $71,638
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Flood zones in Palm Beach 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 Palm Beach County shaded
Palm Beach County, Florida[6]

What sets the price in Palm Beach County

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

Find out what your Palm Beach County address needs

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

Questions about flood insurance in Palm Beach County

Is flood insurance required in Palm Beach 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 Palm Beach County?

NFIP rules apply the same in Palm Beach 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 Palm Beach County?

The county average is $530 per year across 122,587 active NFIP policies (FEMA, July 2026). [2]

How much did Hurricane Irma cost Palm Beach County?

423 NFIP claims and $4.2 million paid in Palm Beach County, per federal claim records. [3]

Your flood toolkit for Palm Beach County

  • Emergency management

    Palm Beach County Division Emergency Management[10]

    Call (561) 712-6400

  • Flood zone help

    Palm Beach County floodplain management[11]

    Call (561) 233-5374

  • Your evacuation zone

    Look up your Palm Beach County evacuation zone[12]

    Open the county's page

Keep reading about flood insurance in Palm Beach County

Counties next to Palm Beach County

Sources and dates

  1. FEMA OpenFEMA, NFIP Redacted Claims (API v3). Palm Beach County NFIP flood claims. Read November 4, 2026.
  2. FEMA OpenFEMA, FIMA NFIP Redacted Policies v2. Palm Beach County NFIP policies in force. Read July 4, 2026.
  3. FEMA OpenFEMA, FIMA NFIP Redacted Claims v2. Palm Beach County NFIP claims, last 10 years. Read November 3, 2026.
  4. FEMA CRS Eligible Communities, October 1, 2026 effective date (PDF). Palm Beach County Community Rating System class. Read October 24, 2026.
  5. FEMA NFIP Community Status Book, Florida. Palm Beach County first flood map. Read November 3, 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. discover.pbcgov.org. Palm Beach County Division Emergency Management. Read November 3, 2026.
  11. discover.pbcgov.org. Palm Beach County floodplain management. Read November 3, 2026.
  12. discover.pbc.gov. Palm Beach County evacuation zone lookup. Read November 1, 2026.
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