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Flood Insurance in Walton County, Florida

Your lender set the requirement. Nobody set the price.

Flood insurance paid $5.0 million on 177 claims in Walton County after Hurricane Sally. That one event was 82% of everything flood insurance paid there in the past decade.[1]

Walton County at a glance

Flood policies in force in Walton County
16,812[2]
Flood claims paid in 10 years
$6[1]million
CRS discount, unincorporated Walton County
20%[3]
First FEMA flood map
1977[4]

What floods have cost Walton County

289[1]

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

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

  1. Hurricane Sally 2020, 177 claims $5M
  2. Hurricane Michael 2018, 41 claims $183,164
  3. Hurricane Francine 2024, 4 claims $139,459
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Flood zones in Walton 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 Walton County shaded
Walton County, Florida[6]

What sets the price in Walton County

Same flood zone, very different prices in Walton 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 Walton County: Community Rating System Class 6, 20% discount, on a scale that tops out at 45%. 0% 45%
Unincorporated Walton County earns 20% off NFIP flood premiums in the high-risk zone.[3]

Find out what your Walton County address needs

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

Questions about flood insurance in Walton County

Is flood insurance required in Walton 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 Walton County?

Walton County's 16,812 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 Walton County?

The county average is $470 per year across 16,812 active NFIP policies (FEMA, July 2026). [2]

How much did Hurricane Sally cost Walton County?

177 NFIP claims and $5 million paid in Walton County, per federal claim records. [1]

Your flood toolkit for Walton County

Keep reading about flood insurance in Walton County

Counties next to Walton County

Sources and dates

  1. FEMA OpenFEMA, FIMA NFIP Redacted Claims v2. Walton County NFIP claims, last 10 years. Read July 4, 2026.
  2. FEMA OpenFEMA, FIMA NFIP Redacted Policies v2. Walton County NFIP policies in force. Read July 4, 2026.
  3. FEMA CRS Eligible Communities, October 1, 2026 effective date (PDF). Walton County Community Rating System class. Read November 4, 2026.
  4. FEMA NFIP Community Status Book, Florida. Walton County first flood map. Read November 8, 2026.
  5. FEMA National Flood Hazard Layer (NFHL), layer 28 'Flood Hazard Zones', DFIRM_ID 12131C, distinct FLD_ZONE. Walton 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. mywaltonfl.gov. Walton County Emergency Management. Read November 8, 2026.
  11. mywaltonfl.gov. Walton County floodplain management. Read November 8, 2026.
  12. mywaltonfl.gov. Walton County evacuation zone lookup. Read November 1, 2026.
  13. mywaltonfl.gov. Walton County special needs shelter registry. Read November 11, 2026.
  14. mywaltonfl.gov. Walton County emergency alert sign-up. Read November 11, 2026.
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