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

Flood Insurance in Wakulla County, Florida

Your lender set the requirement. Nobody set the price.

Flood insurance paid $8.3 million on 229 claims in Wakulla County after Hurricane Michael. That one event was 78% of everything flood insurance paid there in the past decade.[1]

Wakulla County at a glance

Flood policies in force in Wakulla County
1,181[2]
Flood claims paid in 10 years
$10.7[1]million
CRS discount, unincorporated Wakulla County
15%[3]
First FEMA flood map
1981[4]

What floods have cost Wakulla County

316[1]

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

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

  1. Hurricane Michael 2018, 229 claims $8.3M
  2. Hurricane Hermine 2016, 50 claims $1.5M
  3. Hurricane Helene 2024, 27 claims $885,241
Wakulla 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 Wakulla 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 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 Wakulla County shaded
Wakulla County, Florida[6]

What sets the price in Wakulla County

Same flood zone, very different prices in Wakulla 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 Wakulla County: Community Rating System Class 7, 15% discount, on a scale that tops out at 45%. 0% 45%
Unincorporated Wakulla County earns 15% off NFIP flood premiums in the high-risk zone.[3]

Find out what your Wakulla County address needs

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

Questions about flood insurance in Wakulla County

Is flood insurance required in Wakulla County?

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

Wakulla County's 1,181 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 Wakulla County?

The county average is $2,001 per year across 1,181 active NFIP policies (FEMA, July 2026). [2]

How much did Hurricane Michael cost Wakulla County?

229 NFIP claims and $8.3 million paid in Wakulla County, per federal claim records. [1]

Your flood toolkit for Wakulla County

  • Emergency management

    Wakulla County Emergency Management[10]

    Call (850) 745-7200

  • Flood zone help

    Wakulla County floodplain management[11]

    Call (850) 926-3695

  • Your evacuation zone

    Look up your Wakulla County evacuation zone[11]

    Open the county's page

Keep reading about flood insurance in Wakulla County

Counties next to Wakulla County

Sources and dates

  1. FEMA OpenFEMA, FIMA NFIP Redacted Claims v2. Wakulla County NFIP claims, last 10 years. Read July 4, 2026.
  2. FEMA OpenFEMA, FIMA NFIP Redacted Policies v2. Wakulla County NFIP policies in force. Read July 4, 2026.
  3. FEMA CRS Eligible Communities, October 1, 2026 effective date (PDF). Wakulla County Community Rating System class. Read November 4, 2026.
  4. FEMA NFIP Community Status Book, Florida. Wakulla County first flood map. Read November 8, 2026.
  5. FEMA National Flood Hazard Layer (NFHL), layer 28 'Flood Hazard Zones', DFIRM_ID 12129C, distinct FLD_ZONE. Wakulla 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. wcso.org. Wakulla County Emergency Management. Read November 8, 2026.
  11. mywakulla.com. Wakulla County floodplain management. Read November 11, 2026.
Check my address Call Text