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

County · Flood risk

Check any address in Marion County

Quick facts

Homes on the tax roll

174,144

Residential parcels on the Florida Department of Revenue roll

FEMA flood map in effect

Apr 2017

First flood map 1983

Flood insurance discount

15% off

Marion County, Community Rating System Class 7

Most flood claims in one storm

56

Hurricane Irma 2017, 34 paid

Homes with water, FEMA aid

714

Aid registrations reporting water inside, Hurricane Irma 2017

New FEMA maps

Preliminary

Draft zones FEMA has released for review

Sinkhole reports

489

3 confirmed by the state

Past storms in Marion 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 Marion County
StormClaimsPaidAid, water inside
Hurricane Irma 20175634714
Hurricane Milton 20243153

Frequently asked questions

Do I need flood insurance in Marion 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 Marion County took effect on April 19, 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 Marion County last updated?

The flood map in effect for Marion County took effect on April 19, 2017. The county's first flood map dates to January 19, 1983. FEMA has released preliminary maps for parts of the county; they don't change insurance requirements until they're adopted and take effect.

Is there a flood insurance discount in Marion County?

Marion County is in FEMA's Community Rating System at Class 7, which takes 15% 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 Marion County the most?

By National Flood Insurance Program claims across Marion County, the worst recent storms were Hurricane Irma 2017 (56 claims, 34 paid), Hurricane Debby 2024 (4 claims, 1 paid), and Hurricane Milton 2024 (3 claims, 1 paid). After Hurricane Irma 2017, 714 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 Marion County?

The Florida Geological Survey has 489 subsidence reports on file for Marion County, 3 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.

Marion County is inland, with Ocala, Silver Springs, Rainbow Springs, and part of the Ocala National Forest.

Marion County has about 174,000 homes on the state tax roll. The FEMA flood map in effect for Marion County took effect on April 19, 2017; the county's first flood map dates to 1983. The storm that left the most flood insurance claims in the county was Hurricane Irma 2017, with 56, followed by Hurricane Debby 2024 with 4. Marion County is in FEMA's Community Rating System at Class 7, which takes 15% 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 Marion 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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