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County · Flood risk

Check any address in Indian River County

Quick facts

Homes on the tax roll

77,474

Residential parcels on the Florida Department of Revenue roll

FEMA flood map in effect

Jan 2023

First flood map 1978

Flood insurance discount

25% off

Indian River County, Community Rating System Class 5

Most flood claims in one storm

116

Hurricane Irma 2017, 75 paid

Homes with water, FEMA aid

399

Aid registrations reporting water inside, Hurricane Irma 2017

Sinkhole reports

6

Florida Geological Survey, mostly unverified

Past storms in Indian River 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 Indian River County
StormClaimsPaidAid, water inside
Hurricane Matthew 2016473123
Hurricane Irma 201711675399
Hurricane Milton 20246853254

Frequently asked questions

Do I need flood insurance in Indian River 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 Indian River County took effect on January 26, 2023. 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 Indian River County last updated?

The flood map in effect for Indian River County took effect on January 26, 2023. The county's first flood map dates to July 3, 1978.

Is there a flood insurance discount in Indian River County?

Indian River County is in FEMA's Community Rating System at Class 5, which takes 25% 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 Indian River County the most?

By National Flood Insurance Program claims across Indian River County, the worst recent storms were Hurricane Irma 2017 (116 claims, 75 paid), Hurricane Milton 2024 (68 claims, 53 paid), and Hurricane Matthew 2016 (47 claims, 31 paid). After Hurricane Irma 2017, 399 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 Indian River County?

The Florida Geological Survey has 6 subsidence reports on file for Indian River 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.

Indian River County is on the Atlantic, with Vero Beach and Sebastian along the Indian River Lagoon.

Indian River County has about 77,500 homes on the state tax roll. The FEMA flood map in effect for Indian River County took effect on January 26, 2023; the county's first flood map dates to 1978. The storm that left the most flood insurance claims in the county was Hurricane Irma 2017, with 116, followed by Hurricane Milton 2024 with 68. Indian River County is in FEMA's Community Rating System at Class 5, which takes 25% 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 Southeast Florida are Hurricane Matthew 2016, Hurricane Irma 2017, Tropical Storm Eta 2020, Hurricane Nicole 2022, Fort Lauderdale flood 2023, South Florida flood June 2024, Hurricane Helene 2024, and Hurricane Milton 2024.

Search any address in Indian River 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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