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

County · Flood risk

Check any address in Lafayette County

Quick facts

Homes on the tax roll

1,974

Residential parcels on the Florida Department of Revenue roll

FEMA flood map in effect

Oct 2017

First flood map 1987

Flood insurance discount

None

Lafayette County isn't in the Community Rating System

Most flood claims in one storm

1

Hurricane Hermine 2016, 1 paid

Homes with water, FEMA aid

30

Aid registrations reporting water inside, Hurricane Debby 2024

Sinkhole reports

15

1 confirmed by the state

Past storms in Lafayette 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 Lafayette County
StormClaimsPaidAid, water inside
Hurricane Debby 20241130

Frequently asked questions

Do I need flood insurance in Lafayette 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 Lafayette County took effect on October 5, 2017. 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 Lafayette County last updated?

The flood map in effect for Lafayette County took effect on October 5, 2017. The county's first flood map dates to January 16, 1987.

Is there a flood insurance discount in Lafayette County?

Lafayette 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 Lafayette County the most?

By National Flood Insurance Program claims across Lafayette County, the worst recent storms were Hurricane Hermine 2016 (1 claim, 1 paid), Hurricane Idalia 2023 (1 claim, 0 paid), and Hurricane Debby 2024 (1 claim, 1 paid). After Hurricane Debby 2024, 30 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 Lafayette County?

The Florida Geological Survey has 15 subsidence reports on file for Lafayette 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.

Lafayette County is one of the least populated counties in Florida, along the Suwannee River.

Lafayette County has 1,974 homes on the state tax roll. The FEMA flood map in effect for Lafayette County took effect on October 5, 2017; the county's first flood map dates to 1987. The storm that left the most flood insurance claims in the county was Hurricane Hermine 2016, with 1, followed by Hurricane Idalia 2023 with 1. Lafayette 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 Lafayette 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.

Nearby counties

Florida Flood News & Updates