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

County · Flood risk

Check any address in Calhoun County

Quick facts

Homes on the tax roll

3,852

Residential parcels on the Florida Department of Revenue roll

FEMA flood map in effect

Nov 2025

First flood map 1987

Flood insurance discount

None

Calhoun County isn't in the Community Rating System

Most flood claims in one storm

3

Hurricane Michael 2018, 2 paid

Homes with water, FEMA aid

15

Aid registrations reporting water inside, Hurricane Michael 2018

Past storms in Calhoun 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 Calhoun County
StormClaimsPaidAid, water inside
Hurricane Michael 20183215

Frequently asked questions

Do I need flood insurance in Calhoun 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 Calhoun County took effect on November 14, 2025. 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 Calhoun County last updated?

The flood map in effect for Calhoun County took effect on November 14, 2025. The county's first flood map dates to June 18, 1987.

Is there a flood insurance discount in Calhoun County?

Calhoun 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 Calhoun County the most?

By National Flood Insurance Program claims across Calhoun County, the worst recent storms were Hurricane Michael 2018 (3 claims, 2 paid) and Hurricane Sally 2020 (1 claim, 1 paid). After Hurricane Michael 2018, 15 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 Calhoun 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 the Panhandle are Hurricane Hermine 2016, Hurricane Irma 2017, Hurricane Michael 2018, Hurricane Sally 2020, and Hurricane Helene 2024. Calhoun County has 3,852 homes on the state tax roll.

Calhoun County is a rural Panhandle county along the Apalachicola River.

Calhoun County has 3,852 homes on the state tax roll. The FEMA flood map in effect for Calhoun County took effect on November 14, 2025; the county's first flood map dates to 1987. The storm that left the most flood insurance claims in the county was Hurricane Michael 2018, with 3, followed by Hurricane Sally 2020 with 1. Calhoun 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 the Panhandle are Hurricane Hermine 2016, Hurricane Irma 2017, Hurricane Michael 2018, Hurricane Sally 2020, and Hurricane Helene 2024.

Search any address in Calhoun 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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