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Flood Insurance in Santa Rosa County, Florida

Your lender set the requirement. Nobody set the price.

Flood insurance paid $33.3 million on 1,292 claims in Santa Rosa County after Hurricane Sally. That one event was 95% of everything flood insurance paid there in the past decade.[1]

Santa Rosa County at a glance

Flood policies in force in Santa Rosa County
10,674[2]
Flood claims paid in 10 years
$35.2[1]million
CRS discount, unincorporated Santa Rosa County
25%[3]
First FEMA flood map
1977[4]

What floods have cost Santa Rosa County

1,447[1]

Flood claims filed in Santa Rosa County in the last 10 years.

Flood claims paid in Santa Rosa County, by storm[1]

  1. Hurricane Sally 2020, 1,292 claims $33.3M
  2. Tropical Storm Claudette 2021, 3 claims $98,044
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Flood zones in Santa Rosa County

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

Zone A Zone AE Zone AO Zone VE Zone X [5]

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 Santa Rosa County shaded
Santa Rosa County, Florida[6]

What sets the price in Santa Rosa County

Same flood zone, very different prices in Santa Rosa 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 Santa Rosa County: Community Rating System Class 5, 25% discount, on a scale that tops out at 45%. 0% 45%
Unincorporated Santa Rosa County earns 25% off NFIP flood premiums in the high-risk zone.[3]

Find out what your Santa Rosa County address needs

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

Questions about flood insurance in Santa Rosa County

Is flood insurance required in Santa Rosa County?

If your home is in a Special Flood Hazard Area (zones A, AE, AO, VE) and you have a federally backed mortgage, yes. In zone X it is optional. Homeowners insurance does not cover flood. [8][5]

Is there a waiting period for flood insurance in Santa Rosa County?

Santa Rosa County's 10,674 NFIP policies follow federal rules: 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][2]

What does flood insurance cost in Santa Rosa County?

The county average is $755 per year across 10,674 active NFIP policies (FEMA, July 2026). [2]

How much did Hurricane Sally cost Santa Rosa County?

1,292 NFIP claims and $33.3 million paid in Santa Rosa County, per federal claim records. [1]

Your flood toolkit for Santa Rosa County

  • Emergency management

    Santa Rosa County Emergency Management[10]

    Call (850) 983-5360

  • Flood zone help

    Santa Rosa County Development Services - Floodplain Management[11]

    Call (850) 981-7000

  • Your evacuation zone

    Look up your Santa Rosa County evacuation zone[12]

    Open the county's page

  • Special needs

    Special needs shelter sign-up[13]

    Open the sign-up page

  • Alerts

    Get Santa Rosa County emergency alerts[10]

    Open the sign-up page

Keep reading about flood insurance in Santa Rosa County

Counties next to Santa Rosa County

Sources and dates

  1. FEMA OpenFEMA, FIMA NFIP Redacted Claims v2. Santa Rosa County NFIP claims, last 10 years. Read July 4, 2026.
  2. FEMA OpenFEMA, FIMA NFIP Redacted Policies v2. Santa Rosa County NFIP policies in force. Read July 4, 2026.
  3. FEMA CRS Eligible Communities, October 1, 2026 effective date (PDF). Santa Rosa County Community Rating System class. Read November 4, 2026.
  4. FEMA NFIP Community Status Book, Florida. Santa Rosa County first flood map. Read November 8, 2026.
  5. FEMA Flood Insurance Study 12113CV000B, Santa Rosa County, Florida and Incorporated Areas, Volume 1 of 1, revised November 19, 2021, Table 3 'Flood Zone Designations by Community'. Santa Rosa County flood zones. Read November 10, 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. santarosa.fl.gov. Santa Rosa County Emergency Management. Read November 11, 2026.
  11. santarosa.fl.gov. Santa Rosa County Development Services - Floodplain Management. Read November 8, 2026.
  12. santarosa.fl.gov. Santa Rosa County evacuation zone lookup. Read November 1, 2026.
  13. santarosa.fl.gov. Santa Rosa County special needs shelter registry. Read November 11, 2026.
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