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Flood Insurance in Volusia County, Florida

Your lender set the requirement. Nobody set the price.

Hurricanes Ian and Milton led to 6,279 NFIP flood claims in Volusia County and $434,605,204 in payouts. Those two storms are 82% of all the flood insurance money paid in Volusia County in the past 10 years.[1]

Volusia County at a glance

Flood policies in force in Volusia County
45,268[2]
Flood claims paid in 10 years
$530.9[3]million
CRS discount, unincorporated Volusia County
25%[4]
First FEMA flood map
1973[5]

What floods have cost Volusia County

8,550[3]

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

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

  1. Hurricane Ian 2022, 3,488 claims $241.9M
  2. Hurricane Milton 2024, 2,791 claims $192.7M
  3. Hurricane Irma 2017, 946 claims $53.3M
  4. Hurricane Nicole 2022, 524 claims $28.5M
  5. Nor'easter 2025, 15 claims $492,347
Volusia County is the record. Your street is next: check your address.

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

What sets the price in Volusia County

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

Find out what your Volusia County address needs

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

Questions about flood insurance in Volusia County

Is flood insurance required in Volusia 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 Volusia County?

NFIP rules apply the same in Volusia 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 Volusia County?

The county average is $530 per year across 45,268 active NFIP policies (FEMA, July 2026). [2]

How much did Hurricane Ian cost Volusia County?

3,488 NFIP claims and $241.9 million paid in Volusia County, per federal claim records. [3]

Your flood toolkit for Volusia County

  • Emergency management

    Volusia County Emergency Management[10]

    Call (386) 736-2700

  • Flood zone help

    Volusia County floodplain management[11]

    Call (386) 822-6422

  • Your evacuation zone

    Look up your Volusia County evacuation zone[12]

    Open the county's page

Keep reading about flood insurance in Volusia County

Counties next to Volusia County

Sources and dates

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