Call or text (727) 516-0111Check my address

Flood Insurance in Suwannee County, Florida

Your lender set the requirement. Nobody set the price.

Flood insurance paid $3.0 million on 47 claims in Suwannee County after Hurricane Debby. That one event was 97% of everything flood insurance paid there in the past decade.[1]

Suwannee County at a glance

Flood policies in force in Suwannee County
407[2]
Flood claims paid in 10 years
$3.1[1]million
CRS discount, unincorporated Suwannee County
0%[3]
First FEMA flood map
1988[4]

What floods have cost Suwannee County

62[1]

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

Flood claims paid in Suwannee County, by storm[1]

  1. Hurricane Debby 2024, 47 claims $3M
  2. Hurricane Hermine 2016, 2 claims $53,601
  3. Hurricane Irma 2017, 3 claims $11,893
Suwannee County is the record. Your street is next: check your address.

That is the county. What about your street? Check my address

Flood zones in Suwannee 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 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 Suwannee County shaded
Suwannee County, Florida[6]

What sets the price in Suwannee County

Same flood zone, very different prices in Suwannee 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 Suwannee County: Community Rating System Class 10, 0% discount, on a scale that tops out at 45%. 0% 45%
Unincorporated Suwannee County earns 0% off eligible NFIP flood premiums, in any flood zone.[3]

Find out what your Suwannee County address needs

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

Questions about flood insurance in Suwannee County

Is flood insurance required in Suwannee County?

If your home is in a Special Flood Hazard Area (zones A, AE) 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 Suwannee County?

Suwannee County's 407 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 Suwannee County?

The county average is $953 per year across 407 active NFIP policies (FEMA, July 2026). [2]

How much did Hurricane Debby cost Suwannee County?

47 NFIP claims and $3 million paid in Suwannee County, per federal claim records. [1]

Your flood toolkit for Suwannee County

  • Emergency management

    Emergency Management[10]

    Call (386) 364-3405

  • Flood zone help

    Suwannee County Planning & Zoning (Ronald Meeks, CFM, Floodplain Manager)[11]

    Call (386) 364-3401

  • Special needs

    Special needs shelter sign-up[12]

    Open the sign-up page

  • Alerts

    Get Suwannee County emergency alerts[10]

    Open the sign-up page

Keep reading about flood insurance in Suwannee County

Counties next to Suwannee County

Sources and dates

  1. FEMA OpenFEMA, FIMA NFIP Redacted Claims v2. Suwannee County NFIP claims, last 10 years. Read July 4, 2026.
  2. FEMA OpenFEMA, FIMA NFIP Redacted Policies v2. Suwannee County NFIP policies in force. Read July 4, 2026.
  3. FEMA CRS Eligible Communities, October 1, 2026 effective date (PDF). Suwannee County Community Rating System class. Read November 4, 2026.
  4. FEMA NFIP Community Status Book, Florida. Suwannee County first flood map. Read November 8, 2026.
  5. FEMA National Flood Hazard Layer (NFHL), layer 28 'Flood Hazard Zones', DFIRM_ID 12121C, distinct FLD_ZONE. Suwannee 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. suwanneecountyfl.gov. Emergency Management. Read November 11, 2026.
  11. suwanneecountyfl.gov. Suwannee County Planning & Zoning (Ronald Meeks, CFM, Floodplain Manager). Read November 8, 2026.
  12. suwanneecountyfl.gov. Suwannee County special needs shelter registry. Read November 11, 2026.
Check my address Call Text