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

County · Flood risk

Check any address in Hardee County

Quick facts

Homes on the tax roll

6,388

Residential parcels on the Florida Department of Revenue roll

FEMA flood map in effect

Nov 2013

First flood map 1988

Flood insurance discount

None

Hardee County isn't in the Community Rating System

Most flood claims in one storm

53

Hurricane Ian 2022, 47 paid

Homes with water, FEMA aid

507

Aid registrations reporting water inside, Hurricane Ian 2022

Sinkhole reports

22

Florida Geological Survey, mostly unverified

Past storms in Hardee 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 Hardee County
StormClaimsPaidAid, water inside
Hurricane Irma 20172320188
Hurricane Ian 20225347507
Hurricane Milton 20241122

Frequently asked questions

Do I need flood insurance in Hardee 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 Hardee County took effect on November 6, 2013. 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 Hardee County last updated?

The flood map in effect for Hardee County took effect on November 6, 2013. The county's first flood map dates to May 4, 1988.

Is there a flood insurance discount in Hardee County?

Hardee 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 Hardee County the most?

By National Flood Insurance Program claims across Hardee County, the worst recent storms were Hurricane Ian 2022 (53 claims, 47 paid), Hurricane Irma 2017 (23 claims, 20 paid), and Hurricane Milton 2024 (1 claim, 1 paid). After Hurricane Ian 2022, 507 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.

Are there sinkholes in Hardee County?

The Florida Geological Survey has 22 subsidence reports on file for Hardee County. 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.

Hardee County is an inland county on the Peace River, south of Polk County.

Hardee County has 6,388 homes on the state tax roll. The FEMA flood map in effect for Hardee County took effect on November 6, 2013; the county's first flood map dates to 1988. The storm that left the most flood insurance claims in the county was Hurricane Ian 2022, with 53, followed by Hurricane Irma 2017 with 23. Hardee 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 Tampa Bay area are Hurricane Hermine 2016, Hurricane Irma 2017, Tropical Storm Eta 2020, Hurricane Ian 2022, Hurricane Idalia 2023, Hurricane Debby 2024, Hurricane Helene 2024, and Hurricane Milton 2024.

Search any address in Hardee 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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