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

County · Flood risk

Check any address in Escambia County

Quick facts

Homes on the tax roll

125,658

Residential parcels on the Florida Department of Revenue roll

FEMA flood map in effect

Aug 2025

First flood map 1977

Flood insurance discount

20% off

Escambia County, Community Rating System Class 6

Most flood claims in one storm

2,450

Hurricane Sally 2020, 1,854 paid

Homes with water, FEMA aid

3,272

Aid registrations reporting water inside, Hurricane Sally 2020

Past storms in Escambia 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 Escambia County
StormClaimsPaidAid, water inside
Hurricane Sally 20202,4501,8543,272

Frequently asked questions

Do I need flood insurance in Escambia 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 Escambia County took effect on August 19, 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 Escambia County last updated?

The flood map in effect for Escambia County took effect on August 19, 2025. The county's first flood map dates to September 30, 1977.

Is there a flood insurance discount in Escambia County?

Escambia County is in FEMA's Community Rating System at Class 6, which takes 20% off National Flood Insurance Program premiums for policies inside the high-risk flood zone. Classes run from 10 to 1, and each step down adds 5% off.

Which storms flooded Escambia County the most?

By National Flood Insurance Program claims across Escambia County, the worst recent storms were Hurricane Sally 2020 (2,450 claims, 1,854 paid), Hurricane Helene 2024 (8 claims, 0 paid), and Hurricane Irma 2017 (2 claims, 0 paid). After Hurricane Sally 2020, 3,272 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 Escambia County?

On the Gulf coast, the worst floods come from hurricane storm surge pushed into bays, canals, and river mouths, and from heavy rain that can't drain while the tide is high. The storms we track for the Panhandle are Hurricane Hermine 2016, Hurricane Irma 2017, Hurricane Michael 2018, Hurricane Sally 2020, and Hurricane Helene 2024. Escambia County has about 126,000 homes on the state tax roll.

Escambia County is the westernmost county in Florida, with Pensacola on Pensacola Bay and Perdido Key on the Gulf.

Escambia County has about 126,000 homes on the state tax roll. The FEMA flood map in effect for Escambia County took effect on August 19, 2025; the county's first flood map dates to 1977. The storm that left the most flood insurance claims in the county was Hurricane Sally 2020, with 2,450, followed by Hurricane Helene 2024 with 8. Escambia County is in FEMA's Community Rating System at Class 6, which takes 20% off National Flood Insurance Program premiums for policies inside the high-risk flood zone.

On the Gulf coast, the worst floods come from hurricane storm surge pushed into bays, canals, and river mouths, and from heavy rain that can't drain while the tide is high. 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 Escambia 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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