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

County · Flood risk

Check any address in Flagler County

Quick facts

Homes on the tax roll

62,920

Residential parcels on the Florida Department of Revenue roll

FEMA flood map in effect

Jun 2018

First flood map 1986

Flood insurance discount

20% off

Flagler County, Community Rating System Class 6

Most flood claims in one storm

719

Hurricane Irma 2017, 592 paid

Homes with water, FEMA aid

632

Aid registrations reporting water inside, Hurricane Irma 2017

New FEMA maps

Preliminary

Draft zones FEMA has released for review

Sinkhole reports

1

Florida Geological Survey, mostly unverified

Past storms in Flagler 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 Flagler County
StormClaimsPaidAid, water inside
Hurricane Matthew 2016469324309
Hurricane Irma 2017719592632
Hurricane Ian 2022160106145
Hurricane Nicole 2022254222130
Hurricane Milton 20246550129

Frequently asked questions

Do I need flood insurance in Flagler 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 Flagler County took effect on June 6, 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 Flagler County last updated?

The flood map in effect for Flagler County took effect on June 6, 2018. The county's first flood map dates to February 5, 1986. 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 Flagler County?

Flagler 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 Flagler County the most?

By National Flood Insurance Program claims across Flagler County, the worst recent storms were Hurricane Irma 2017 (719 claims, 592 paid), Hurricane Matthew 2016 (469 claims, 324 paid), and Hurricane Nicole 2022 (254 claims, 222 paid). After Hurricane Irma 2017, 632 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 Flagler County?

On the Atlantic coast, flooding comes from hurricane surge, seasonal king tides that back up through storm drains, and heavy rain on flat ground with a high water table. 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. Flagler County has about 62,900 homes on the state tax roll.

Flagler County is on the Atlantic between St. Augustine and Daytona Beach, with Palm Coast and Flagler Beach.

Flagler County has about 62,900 homes on the state tax roll. The FEMA flood map in effect for Flagler County took effect on June 6, 2018; the county's first flood map dates to 1986. The storm that left the most flood insurance claims in the county was Hurricane Irma 2017, with 719, followed by Hurricane Matthew 2016 with 469. Flagler 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 Atlantic coast, flooding comes from hurricane surge, seasonal king tides that back up through storm drains, and heavy rain on flat ground with a high water table. 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 Flagler 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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