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

County · Flood risk

Check any address in Okeechobee County

Quick facts

Homes on the tax roll

14,360

Residential parcels on the Florida Department of Revenue roll

FEMA flood map in effect

Jul 2015

First flood map 1981

Flood insurance discount

10% off

Okeechobee County, Community Rating System Class 8

Most flood claims in one storm

14

Hurricane Irma 2017, 6 paid

Homes with water, FEMA aid

233

Aid registrations reporting water inside, Hurricane Irma 2017

Sinkhole reports

1

Florida Geological Survey, mostly unverified

Past storms in Okeechobee 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 Okeechobee County
StormClaimsPaidAid, water inside
Hurricane Irma 2017146233
Hurricane Ian 20222013
Hurricane Milton 20242017

Frequently asked questions

Do I need flood insurance in Okeechobee 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 Okeechobee County took effect on July 16, 2015. 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 Okeechobee County last updated?

The flood map in effect for Okeechobee County took effect on July 16, 2015. The county's first flood map dates to February 4, 1981.

Is there a flood insurance discount in Okeechobee County?

Okeechobee County is in FEMA's Community Rating System at Class 8, which takes 10% 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 Okeechobee County the most?

By National Flood Insurance Program claims across Okeechobee County, the worst recent storms were Hurricane Irma 2017 (14 claims, 6 paid), Hurricane Ian 2022 (2 claims, 0 paid), and Hurricane Milton 2024 (2 claims, 0 paid). After Hurricane Irma 2017, 233 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 Okeechobee 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 Central Florida are Hurricane Matthew 2016, Hurricane Irma 2017, Hurricane Ian 2022, Hurricane Nicole 2022, Hurricane Helene 2024, and Hurricane Milton 2024. Okeechobee County has about 14,400 homes on the state tax roll.

Okeechobee County sits on the north shore of Lake Okeechobee, with the Kissimmee River flowing in from the north.

Okeechobee County has about 14,400 homes on the state tax roll. The FEMA flood map in effect for Okeechobee County took effect on July 16, 2015; 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 14, followed by Hurricane Ian 2022 with 2. Okeechobee County is in FEMA's Community Rating System at Class 8, which takes 10% 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 Okeechobee 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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