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

Flood Insurance in Washington County, Florida

Your lender set the requirement. Nobody set the price.

Flood insurance has paid $2.7 million on 38 claims in Washington County over the past decade.[1]

Washington County at a glance

Flood policies in force in Washington County
121[2]
Flood claims paid in 10 years
$2.7[1]million
First FEMA flood map
1991[3]

What floods have cost Washington County

38[1]

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

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

  1. Hurricane Sally 2020, 14 claims $683,008
  2. Tropical Storm Fred 2021, 2 claims $179,266
  3. Hurricane Michael 2018, 4 claims $171,901
Washington 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 Washington 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 Washington County shaded
Washington County, Florida[5]

What sets the price in Washington County

Same flood zone, very different prices in Washington 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 Washington County address needs

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

Questions about flood insurance in Washington County

Is flood insurance required in Washington 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 Washington County?

Washington County's 121 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][2]

What does flood insurance cost in Washington County?

The county average is $922 per year across 121 active NFIP policies (FEMA, July 2026). [2]

How much did Hurricane Sally cost Washington County?

14 NFIP claims and $683,008 paid in Washington County, per federal claim records. [1]

Your flood toolkit for Washington County

  • Emergency management

    Washington County Emergency Management[9]

    Call (850) 638-6203

  • Flood zone help

    Washington County Planning Department[10]

    Call (850) 415-5093

  • Special needs

    Special needs shelter sign-up[11]

    Open the sign-up page

  • Alerts

    Get Washington County emergency alerts[9]

    Open the sign-up page

Keep reading about flood insurance in Washington County

Counties next to Washington County

Sources and dates

  1. FEMA OpenFEMA, FIMA NFIP Redacted Claims v2. Washington County NFIP claims, last 10 years. Read July 4, 2026.
  2. FEMA OpenFEMA, FIMA NFIP Redacted Policies v2. Washington County NFIP policies in force. Read July 4, 2026.
  3. FEMA NFIP Community Status Book, Florida. Washington County first flood map. Read November 8, 2026.
  4. FEMA National Flood Hazard Layer (NFHL), layer 28 'Flood Hazard Zones', DFIRM_ID 12133C, distinct FLD_ZONE. Washington 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. washingtonfl.gov. Washington County Emergency Management. Read November 11, 2026.
  10. washingtonfl.com. Washington County Planning Department. Read November 8, 2026.
  11. washingtonfl.gov. Washington County special needs shelter registry. Read November 11, 2026.
Check my address Call Text