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

County · Flood risk

Check any address in Franklin County

Quick facts

Homes on the tax roll

8,925

Residential parcels on the Florida Department of Revenue roll

FEMA flood map in effect

Oct 2024

First flood map 1983

Flood insurance discount

15% off

Franklin County, Community Rating System Class 7

Most flood claims in one storm

803

Hurricane Michael 2018, 604 paid

Homes with water, FEMA aid

260

Aid registrations reporting water inside, Hurricane Michael 2018

Sinkhole reports

1

Florida Geological Survey, mostly unverified

Past storms in Franklin 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 Franklin County
StormClaimsPaidAid, water inside
Hurricane Hermine 20165938–
Hurricane Michael 2018803604260
Hurricane Helene 2024372412

Frequently asked questions

Do I need flood insurance in Franklin 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 Franklin County took effect on October 10, 2024. 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 Franklin County last updated?

The flood map in effect for Franklin County took effect on October 10, 2024. The county's first flood map dates to July 18, 1983.

Is there a flood insurance discount in Franklin County?

Franklin County is in FEMA's Community Rating System at Class 7, which takes 15% 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 Franklin County the most?

By National Flood Insurance Program claims across Franklin County, the worst recent storms were Hurricane Michael 2018 (803 claims, 604 paid), Hurricane Hermine 2016 (59 claims, 38 paid), and Hurricane Helene 2024 (37 claims, 24 paid). After Hurricane Michael 2018, 260 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 Franklin 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. Franklin County has 8,925 homes on the state tax roll.

Franklin County holds Apalachicola, Carrabelle, and St. George Island on the Gulf at the mouth of the Apalachicola River.

Franklin County has 8,925 homes on the state tax roll. The FEMA flood map in effect for Franklin County took effect on October 10, 2024; the county's first flood map dates to 1983. The storm that left the most flood insurance claims in the county was Hurricane Michael 2018, with 803, followed by Hurricane Hermine 2016 with 59. Franklin County is in FEMA's Community Rating System at Class 7, which takes 15% 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 Franklin 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 (final 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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