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Flood Insurance in Pasco County, Florida

Your lender set the requirement. Nobody set the price.

Hurricane Helene alone led to 4,260 NFIP flood claims in Pasco County and $477,257,703 in payouts. That one storm is 83% of all the flood insurance money paid in Pasco County in the past 10 years.[1]

Pasco County at a glance

Flood policies in force in Pasco County
22,791[2]
Flood claims paid in 10 years
$571.6[3]million
CRS discount, unincorporated Pasco County
25%[4]
First FEMA flood map
1981[5]

What floods have cost Pasco County

6,545[3]

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

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

  1. Hurricane Helene 2024, 4,260 claims $477.3M
  2. Hurricane Idalia 2023, 788 claims $53M
  3. Hurricane Milton 2024, 578 claims $23.9M
  4. Hurricane Irma 2017, 187 claims $3.4M
  5. Hurricane Debby 2024, 44 claims $253,370
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Flood zones in Pasco 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 Pasco County shaded
Pasco County, Florida[6]

What sets the price in Pasco County

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

Find out what your Pasco County address needs

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

Questions about flood insurance in Pasco County

Is flood insurance required in Pasco 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 Pasco County?

NFIP rules apply the same in Pasco 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 Pasco County?

The county average is $1,202 per year across 22,791 active NFIP policies (FEMA, July 2026). [2]

How much did Hurricane Helene cost Pasco County?

4,260 NFIP claims and $477.3 million paid in Pasco County, per federal claim records. [3]

Your flood toolkit for Pasco County

  • Emergency management

    Office of Emergency Management[10]

    Call (727) 847-2411

  • Flood zone help

    Pasco County floodplain management[11]

    Call (727) 847-8126

  • Your evacuation zone

    Look up your Pasco County evacuation zone[12]

    Open the county's page

Keep reading about flood insurance in Pasco County

Counties next to Pasco County

Sources and dates

  1. FEMA OpenFEMA, FIMA NFIP Redacted Claims v2. Pasco County NFIP flood claims. Read November 4, 2026.
  2. FEMA OpenFEMA, FIMA NFIP Redacted Policies v2. Pasco County NFIP policies in force. Read July 4, 2026.
  3. FEMA OpenFEMA, FIMA NFIP Redacted Claims v2. Pasco County NFIP claims, last 10 years. Read November 3, 2026.
  4. FEMA CRS Eligible Communities, October 1, 2026 effective date (PDF). Pasco County Community Rating System class. Read October 24, 2026.
  5. FEMA NFIP Community Status Book, Florida. Pasco 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. pascocountyfl.gov. Office of Emergency Management. Read November 3, 2026.
  11. pascocountyfl.gov. Pasco County floodplain management. Read November 3, 2026.
  12. pascocountyfl.gov. Pasco County evacuation zone lookup. Read November 1, 2026.
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