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

County · Flood risk

Check any address in Hamilton County

Quick facts

Homes on the tax roll

3,756

Residential parcels on the Florida Department of Revenue roll

FEMA flood map in effect

Apr 2025

First flood map 1987

Flood insurance discount

None

Hamilton County isn't in the Community Rating System

Homes with water, FEMA aid

54

Aid registrations reporting water inside, Hurricane Debby 2024

Sinkhole reports

16

1 confirmed by the state

Past storms in Hamilton 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 Hamilton County
StormClaimsPaidAid, water inside
Hurricane Idalia 2023––13
Hurricane Debby 2024––54
Hurricane Helene 2024––34

Frequently asked questions

Do I need flood insurance in Hamilton 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 Hamilton County took effect on April 23, 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 Hamilton County last updated?

The flood map in effect for Hamilton County took effect on April 23, 2025. The county's first flood map dates to June 4, 1987.

Is there a flood insurance discount in Hamilton County?

Hamilton 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 Hamilton County the most?

By FEMA aid registrations that reported water inside the home across Hamilton County, the worst recent storms were Hurricane Debby 2024 (54), Hurricane Helene 2024 (34), and Hurricane Idalia 2023 (13). Only people who applied for aid are counted, so the real number of flooded homes is higher.

Are there sinkholes in Hamilton County?

The Florida Geological Survey has 16 subsidence reports on file for Hamilton County, 1 of them confirmed as true sinkholes. Most reports were never verified, and a report near a home doesn't mean the ground under it is unstable. The full report lists the nearest ones.

Hamilton County is on the Georgia line between the Suwannee and Withlacoochee rivers.

Hamilton County has 3,756 homes on the state tax roll. The FEMA flood map in effect for Hamilton County took effect on April 23, 2025; the county's first flood map dates to 1987. Hamilton 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 Big Bend are Hurricane Hermine 2016, Hurricane Irma 2017, Hurricane Michael 2018, Hurricane Idalia 2023, Hurricane Debby 2024, and Hurricane Helene 2024.

Search any address in Hamilton 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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