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

County · Flood risk

Check any address in Jefferson County

Quick facts

Homes on the tax roll

4,429

Residential parcels on the Florida Department of Revenue roll

FEMA flood map in effect

Apr 2025

First flood map 1991

Flood insurance discount

10% off

Jefferson County, Community Rating System Class 8

Homes with water, FEMA aid

23

Aid registrations reporting water inside, Hurricane Debby 2024

Sinkhole reports

4

Florida Geological Survey, mostly unverified

Past storms in Jefferson 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 Jefferson County
StormClaimsPaidAid, water inside
Hurricane Idalia 2023––21
Hurricane Debby 2024––23
Hurricane Helene 2024––19

Frequently asked questions

Do I need flood insurance in Jefferson 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 Jefferson 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 Jefferson County last updated?

The flood map in effect for Jefferson County took effect on April 23, 2025. The county's first flood map dates to July 16, 1991.

Is there a flood insurance discount in Jefferson County?

Jefferson County is in FEMA's Community Rating System at Class 8, which takes 10% 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 Jefferson County the most?

By FEMA aid registrations that reported water inside the home across Jefferson County, the worst recent storms were Hurricane Debby 2024 (23), Hurricane Idalia 2023 (21), and Hurricane Helene 2024 (19). Only people who applied for aid are counted, so the real number of flooded homes is higher.

What causes flooding in Jefferson 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 Big Bend are Hurricane Hermine 2016, Hurricane Irma 2017, Hurricane Michael 2018, Hurricane Idalia 2023, Hurricane Debby 2024, and Hurricane Helene 2024. Jefferson County has 4,429 homes on the state tax roll.

Jefferson County stretches from the Georgia line to a short Gulf shore on Apalachee Bay.

Jefferson County has 4,429 homes on the state tax roll. The FEMA flood map in effect for Jefferson County took effect on April 23, 2025; the county's first flood map dates to 1991. Jefferson County is in FEMA's Community Rating System at Class 8, which takes 10% 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 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 Jefferson 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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