FloodMaps
Map of FEMA flood zones in Bradford CountyTap the map to explore

County · Flood risk

Check any address in Bradford County

Quick facts

Homes on the tax roll

8,952

Residential parcels on the Florida Department of Revenue roll

FEMA flood map in effect

Nov 2018

First flood map 1989

Flood insurance discount

None

Bradford County isn't in the Community Rating System

Most flood claims in one storm

82

Hurricane Irma 2017, 64 paid

Homes with water, FEMA aid

455

Aid registrations reporting water inside, Hurricane Irma 2017

New FEMA maps

Preliminary

Draft zones FEMA has released for review

Past storms in Bradford County

National Flood Insurance Program claims and FEMA aid registrations that reported water inside the home, for the whole county.

Flood claims and FEMA aid by storm in Bradford County
StormClaimsPaidAid, water inside
Hurricane Irma 20178264455
Hurricane Helene 2024––50

Frequently asked questions

Do I need flood insurance in Bradford County?

Lenders require flood insurance on a federally backed mortgage when the building is in one of FEMA's high-risk zones, the ones starting with A or V. The map that sets those zones in Bradford County took effect on November 2, 2018. Outside those zones insurance is optional, but claims come from moderate- and low-risk zones too, so it's worth checking the zone and the floor height of the exact home.

When was the FEMA flood map for Bradford County last updated?

The flood map in effect for Bradford County took effect on November 2, 2018. The county's first flood map dates to November 15, 1989. FEMA has released preliminary maps for parts of the county; they don't change insurance requirements until they're adopted and take effect.

Is there a flood insurance discount in Bradford County?

Bradford County takes part in the National Flood Insurance Program but isn't in FEMA's Community Rating System, so NFIP policies there get no community discount. Classes run from 10 to 1, and each step down adds 5% off.

Which storms flooded Bradford County the most?

By National Flood Insurance Program claims across Bradford County, the worst recent storms were Hurricane Irma 2017 (82 claims, 64 paid) and Hurricane Debby 2024 (3 claims, 3 paid). After Hurricane Irma 2017, 455 FEMA aid registrations in the county reported water inside the home. Claims only count insured homes, so the real number of flooded homes is higher.

What causes flooding in Bradford County?

Away from the coast, flooding comes from rain: rivers that rise for days after a tropical storm, lakes and low basins that fill, and closed depressions that drain slowly into the ground. The storms we track for Northeast Florida are Hurricane Matthew 2016, Hurricane Irma 2017, Hurricane Ian 2022, Hurricane Nicole 2022, Hurricane Idalia 2023, Hurricane Helene 2024, and Hurricane Milton 2024. Bradford County has 8,952 homes on the state tax roll.

Bradford County is a small inland county in north Florida, between Gainesville and Jacksonville.

Bradford County has 8,952 homes on the state tax roll. The FEMA flood map in effect for Bradford County took effect on November 2, 2018; the county's first flood map dates to 1989. The storm that left the most flood insurance claims in the county was Hurricane Irma 2017, with 82, followed by Hurricane Debby 2024 with 3. Bradford County takes part in the National Flood Insurance Program but isn't in FEMA's Community Rating System, so NFIP policies there get no community discount.

Away from the coast, flooding comes from rain: rivers that rise for days after a tropical storm, lakes and low basins that fill, and closed depressions that drain slowly into the ground. The storms we track for Northeast Florida are Hurricane Matthew 2016, Hurricane Irma 2017, Hurricane Ian 2022, Hurricane Nicole 2022, Hurricane Idalia 2023, Hurricane Helene 2024, and Hurricane Milton 2024.

Search any address in Bradford County for a free report: its FEMA flood zone and whether insurance is required, its risk level, and its floor height against the flood line. The full report adds a 0 to 100 risk score, the flood insurance cost, the home's record in each storm we track, and a PDF to share.

Compiled by FloodMaps from FEMA, state, and county records. Data dates: 2026 county tax roll (preliminary values); flood claims and FEMA aid for storms from 2016 through Hurricane Milton (October 2024); FEMA map dates and insurance discounts as of October 8, 2026.

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