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

County · Flood risk

Check any address in Liberty County

Quick facts

Homes on the tax roll

2,332

Residential parcels on the Florida Department of Revenue roll

FEMA flood map in effect

Aug 2022

First flood map 1991

Flood insurance discount

None

Liberty County isn't in the Community Rating System

Most flood claims in one storm

1

Hurricane Michael 2018, 0 paid

Homes with water, FEMA aid

7

Aid registrations reporting water inside, Hurricane Michael 2018

Sinkhole reports

2

Florida Geological Survey, mostly unverified

Frequently asked questions

Do I need flood insurance in Liberty 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 Liberty County took effect on August 2, 2022. 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 Liberty County last updated?

The flood map in effect for Liberty County took effect on August 2, 2022. The county's first flood map dates to July 16, 1991.

Is there a flood insurance discount in Liberty County?

Liberty 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 Liberty County the most?

By National Flood Insurance Program claims across Liberty County, the worst recent storms were Hurricane Michael 2018 (1 claim, 0 paid). After Hurricane Michael 2018, 7 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.

What causes flooding in Liberty County?

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 Panhandle are Hurricane Hermine 2016, Hurricane Irma 2017, Hurricane Michael 2018, Hurricane Sally 2020, and Hurricane Helene 2024. Liberty County has 2,332 homes on the state tax roll.

Liberty County is the least populated county in Florida, mostly within the Apalachicola National Forest.

Liberty County has 2,332 homes on the state tax roll. The FEMA flood map in effect for Liberty County took effect on August 2, 2022; the county's first flood map dates to 1991. The storm that left the most flood insurance claims in the county was Hurricane Michael 2018, with 1. Liberty 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 Panhandle are Hurricane Hermine 2016, Hurricane Irma 2017, Hurricane Michael 2018, Hurricane Sally 2020, and Hurricane Helene 2024.

Search any address in Liberty 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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