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

County · Flood risk

Check any address in Lake County

Quick facts

Homes on the tax roll

161,225

Residential parcels on the Florida Department of Revenue roll

FEMA flood map in effect

Dec 2012

First flood map 1982

Flood insurance discount

20% off

Lake County, Community Rating System Class 6

Most flood claims in one storm

99

Hurricane Irma 2017, 58 paid

Homes with water, FEMA aid

515

Aid registrations reporting water inside, Hurricane Irma 2017

Sinkhole reports

178

2 confirmed by the state

Past storms in Lake 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 Lake County
StormClaimsPaidAid, water inside
Hurricane Irma 20179958515
Hurricane Ian 20224528142
Hurricane Nicole 20225115
Hurricane Milton 20247049407

Frequently asked questions

Do I need flood insurance in Lake 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 Lake County took effect on December 18, 2012. 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 Lake County last updated?

The flood map in effect for Lake County took effect on December 18, 2012. The county's first flood map dates to April 1, 1982.

Is there a flood insurance discount in Lake County?

Lake County is in FEMA's Community Rating System at Class 6, which takes 20% 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 Lake County the most?

By National Flood Insurance Program claims across Lake County, the worst recent storms were Hurricane Irma 2017 (99 claims, 58 paid), Hurricane Milton 2024 (70 claims, 49 paid), and Hurricane Ian 2022 (45 claims, 28 paid). After Hurricane Irma 2017, 515 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 Lake County?

The Florida Geological Survey has 178 subsidence reports on file for Lake County, 2 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.

Lake County lies northwest of Orlando with hundreds of lakes, including Lake Harris, Lake Eustis, and Lake Griffin.

Lake County has about 161,000 homes on the state tax roll. The FEMA flood map in effect for Lake County took effect on December 18, 2012; the county's first flood map dates to 1982. The storm that left the most flood insurance claims in the county was Hurricane Irma 2017, with 99, followed by Hurricane Milton 2024 with 70. Lake County is in FEMA's Community Rating System at Class 6, which takes 20% off National Flood Insurance Program premiums for policies inside the high-risk flood zone.

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 Central Florida are Hurricane Matthew 2016, Hurricane Irma 2017, Hurricane Ian 2022, Hurricane Nicole 2022, Hurricane Helene 2024, and Hurricane Milton 2024.

Search any address in Lake 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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