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Flood Insurance in Union County, Florida

Your lender set the requirement. Nobody set the price.

Union County has 31 flood insurance claims on record, and 64 NFIP flood policies are in force there today.[1]

Union County at a glance

Flood policies in force in Union County
64[1]
Flood claims paid in 10 years
$185,190[2]
First FEMA flood map
1988[3]

What floods have cost Union County

7[2]

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

Flood claims paid in Union County, by storm[2]

  1. Hurricane Irma 2017, 5 claims $151,326
  2. Hurricane Elsa 2021, 1 claims $20,433
  3. Hurricane Debby 2024, 1 claims $13,432
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Flood zones in Union 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 [4]

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 Union County shaded
Union County, Florida[5]

What sets the price in Union County

Same flood zone, very different prices in Union 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.[6]

  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.

Find out what your Union County address needs

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

Questions about flood insurance in Union County

Is flood insurance required in Union 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. [7][4]

Is there a waiting period for flood insurance in Union County?

Union County's 64 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). [8][1]

What does flood insurance cost in Union County?

The county average is $790 per year across 64 active NFIP policies (FEMA, July 2026). [1]

How much did Hurricane Irma cost Union County?

5 NFIP claims and $151,326 paid in Union County, per federal claim records. [2]

Your flood toolkit for Union County

  • Emergency management

    Union County Emergency Management[9]

    Call (386) 496-4300

  • Flood zone help

    Union County Building Department[10]

    Call (386) 496-2676

Keep reading about flood insurance in Union County

Counties next to Union County

Sources and dates

  1. FEMA OpenFEMA, FIMA NFIP Redacted Policies v2. Union County NFIP policies in force. Read July 4, 2026.
  2. FEMA OpenFEMA, FIMA NFIP Redacted Claims v2. Union County NFIP claims, last 10 years. Read July 4, 2026.
  3. FEMA NFIP Community Status Book, Florida. Union County first flood map. Read November 8, 2026.
  4. FEMA National Flood Hazard Layer (NFHL), layer 28 'Flood Hazard Zones', DFIRM_ID 12125C, distinct FLD_ZONE. Union County flood zones. Read November 10, 2026.
  5. 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.
  6. 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.
  7. 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.
  8. 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.
  9. unioncounty-fl.gov. Union County Emergency Management. Read November 8, 2026.
  10. unioncounty-fl.gov. Union County Building Department. Read November 8, 2026.
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