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

County · Flood risk

Check any address in Okaloosa County

Quick facts

Homes on the tax roll

90,197

Residential parcels on the Florida Department of Revenue roll

FEMA flood map in effect

Mar 2021

First flood map 1977

Flood insurance discount

25% off

Okaloosa County, Community Rating System Class 5

Most flood claims in one storm

329

Hurricane Sally 2020, 247 paid

Homes with water, FEMA aid

199

Aid registrations reporting water inside, Hurricane Sally 2020

New FEMA maps

Preliminary

Draft zones FEMA has released for review

Sinkhole reports

2

Florida Geological Survey, mostly unverified

Past storms in Okaloosa 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 Okaloosa County
StormClaimsPaidAid, water inside
Hurricane Michael 20181010
Hurricane Sally 2020329247199
Hurricane Helene 2024160–

Frequently asked questions

Do I need flood insurance in Okaloosa 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 Okaloosa County took effect on March 9, 2021. 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 Okaloosa County last updated?

The flood map in effect for Okaloosa County took effect on March 9, 2021. The county's first flood map dates to July 1, 1977. 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 Okaloosa County?

Okaloosa 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 Okaloosa County the most?

By National Flood Insurance Program claims across Okaloosa County, the worst recent storms were Hurricane Sally 2020 (329 claims, 247 paid), Hurricane Helene 2024 (16 claims, 0 paid), and Hurricane Michael 2018 (10 claims, 1 paid). After Hurricane Sally 2020, 199 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 Okaloosa County?

On the Gulf coast, the worst floods come from hurricane storm surge pushed into bays, canals, and river mouths, and from heavy rain that can't drain while the tide is high. The storms we track for the Panhandle are Hurricane Hermine 2016, Hurricane Irma 2017, Hurricane Michael 2018, Hurricane Sally 2020, and Hurricane Helene 2024. Okaloosa County has about 90,200 homes on the state tax roll.

Okaloosa County includes Fort Walton Beach, Destin, and Crestview, plus most of Eglin Air Force Base.

Okaloosa County has about 90,200 homes on the state tax roll. The FEMA flood map in effect for Okaloosa County took effect on March 9, 2021; the county's first flood map dates to 1977. The storm that left the most flood insurance claims in the county was Hurricane Sally 2020, with 329, followed by Hurricane Helene 2024 with 16. Okaloosa 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 Gulf coast, the worst floods come from hurricane storm surge pushed into bays, canals, and river mouths, and from heavy rain that can't drain while the tide is high. 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 Okaloosa 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 (final 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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