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

County · Flood risk

Check any address in Martin County

Quick facts

Homes on the tax roll

72,102

Residential parcels on the Florida Department of Revenue roll

FEMA flood map in effect

Feb 2020

First flood map 1981

Flood insurance discount

25% off

Martin County, Community Rating System Class 5

Most flood claims in one storm

45

Hurricane Irma 2017, 18 paid

Homes with water, FEMA aid

160

Aid registrations reporting water inside, Hurricane Irma 2017

Sinkhole reports

3

Florida Geological Survey, mostly unverified

Past storms in Martin 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 Martin County
StormClaimsPaidAid, water inside
Hurricane Matthew 2016362–
Hurricane Irma 20174518160
Hurricane Nicole 20223122–
Hurricane Milton 20242116

Frequently asked questions

Do I need flood insurance in Martin 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 Martin County took effect on February 19, 2020. 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 Martin County last updated?

The flood map in effect for Martin County took effect on February 19, 2020. The county's first flood map dates to June 15, 1981.

Is there a flood insurance discount in Martin County?

Martin County is in FEMA's Community Rating System at Class 5, which takes 25% 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 Martin County the most?

By National Flood Insurance Program claims across Martin County, the worst recent storms were Hurricane Irma 2017 (45 claims, 18 paid), Hurricane Matthew 2016 (36 claims, 2 paid), and Hurricane Nicole 2022 (31 claims, 22 paid). After Hurricane Irma 2017, 160 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 Martin County?

On the Atlantic coast, flooding comes from hurricane surge, seasonal king tides that back up through storm drains, and heavy rain on flat ground with a high water table. The storms we track for Southeast Florida are Hurricane Matthew 2016, Hurricane Irma 2017, Tropical Storm Eta 2020, Hurricane Nicole 2022, Fort Lauderdale flood 2023, South Florida flood June 2024, Hurricane Helene 2024, and Hurricane Milton 2024. Martin County has about 72,100 homes on the state tax roll.

Martin County faces the Atlantic with Stuart, Jensen Beach, and Hobe Sound, where the St. Lucie River meets the Indian River Lagoon.

Martin County has about 72,100 homes on the state tax roll. The FEMA flood map in effect for Martin County took effect on February 19, 2020; the county's first flood map dates to 1981. The storm that left the most flood insurance claims in the county was Hurricane Irma 2017, with 45, followed by Hurricane Matthew 2016 with 36. Martin County is in FEMA's Community Rating System at Class 5, which takes 25% off National Flood Insurance Program premiums for policies inside the high-risk flood zone.

On the Atlantic coast, flooding comes from hurricane surge, seasonal king tides that back up through storm drains, and heavy rain on flat ground with a high water table. The storms we track for Southeast Florida are Hurricane Matthew 2016, Hurricane Irma 2017, Tropical Storm Eta 2020, Hurricane Nicole 2022, Fort Lauderdale flood 2023, South Florida flood June 2024, Hurricane Helene 2024, and Hurricane Milton 2024.

Search any address in Martin 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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