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Flood Insurance in St. Lucie County, Florida

Your lender set the requirement. Nobody set the price.

Flood insurance paid $10.9 million on 211 claims in St. Lucie County after Hurricane Irma. That one event was 88% of everything flood insurance paid there in the past decade.[1]

St. Lucie County at a glance

Flood policies in force in St. Lucie County
18,252[2]
Flood claims paid in 10 years
$12.4[1]million
CRS discount, unincorporated St. Lucie County
25%[3]
First FEMA flood map
1981[4]

What floods have cost St. Lucie County

366[1]

Flood claims filed in St. Lucie County in the last 10 years.

Flood claims paid in St. Lucie County, by storm[1]

  1. Hurricane Irma 2017, 211 claims $10.9M
  2. Hurricane Nicole 2022, 16 claims $428,218
  3. Hurricane Milton 2024, 14 claims $401,605
  4. Hurricane Matthew 2016, 31 claims $153,436
  5. Hurricane Ian 2022, 6 claims $50,023
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Flood zones in St. Lucie 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 AH 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 St. Lucie County shaded
St. Lucie County, Florida[6]

What sets the price in St. Lucie County

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

Find out what your St. Lucie County address needs

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

Questions about flood insurance in St. Lucie County

Is flood insurance required in St. Lucie County?

If your home is in a Special Flood Hazard Area (zones A, AE, AH, 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 St. Lucie County?

St. Lucie County's 18,252 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 St. Lucie County?

The county average is $595 per year across 18,252 active NFIP policies (FEMA, July 2026). [2]

How much did Hurricane Irma cost St. Lucie County?

211 NFIP claims and $10.9 million paid in St. Lucie County, per federal claim records. [1]

Your flood toolkit for St. Lucie County

  • Emergency management

    St. Lucie County Public Safety - Emergency Management Division[10]

    Call (772) 462-8100

Keep reading about flood insurance in St. Lucie County

Counties next to St. Lucie County

Sources and dates

  1. FEMA OpenFEMA, FIMA NFIP Redacted Claims v2. St. Lucie County NFIP claims, last 10 years. Read July 4, 2026.
  2. FEMA OpenFEMA, FIMA NFIP Redacted Policies v2. St. Lucie County NFIP policies in force. Read July 4, 2026.
  3. FEMA CRS Eligible Communities, October 1, 2026 effective date (PDF). St. Lucie County Community Rating System class. Read November 4, 2026.
  4. FEMA NFIP Community Status Book, Florida. St. Lucie County first flood map. Read November 8, 2026.
  5. FEMA Flood Insurance Study 12111CV001B, St. Lucie County, Florida and Incorporated Areas, Volume 1 of 5, revised February 19, 2020, Table 3 'Flood Zone Designations by Community'. St. Lucie 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. stlucieco.gov. St. Lucie County Public Safety - Emergency Management Division. Read November 8, 2026.
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