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Map of FEMA flood zones in Osceola CountyTap the map to explore

County · Flood risk

Check any address in Osceola County

Quick facts

Homes on the tax roll

161,624

Residential parcels on the Florida Department of Revenue roll

FEMA flood map in effect

Jun 2013

First flood map 1982

Flood insurance discount

25% off

Osceola County, Community Rating System Class 5

Most flood claims in one storm

388

Hurricane Ian 2022, 293 paid

Homes with water, FEMA aid

2,223

Aid registrations reporting water inside, Hurricane Ian 2022

Sinkhole reports

16

Florida Geological Survey, mostly unverified

Past storms in Osceola 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 Osceola County
StormClaimsPaidAid, water inside
Hurricane Irma 20171721011,345
Hurricane Ian 20223882932,223
Hurricane Milton 2024152104

Frequently asked questions

Do I need flood insurance in Osceola 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 Osceola County took effect on June 18, 2013. 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 Osceola County last updated?

The flood map in effect for Osceola County took effect on June 18, 2013. The county's first flood map dates to February 3, 1982.

Is there a flood insurance discount in Osceola County?

Osceola 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 Osceola County the most?

By National Flood Insurance Program claims across Osceola County, the worst recent storms were Hurricane Ian 2022 (388 claims, 293 paid), Hurricane Irma 2017 (172 claims, 101 paid), and Hurricane Milton 2024 (15 claims, 2 paid). After Hurricane Ian 2022, 2,223 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 Osceola County?

The Florida Geological Survey has 16 subsidence reports on file for Osceola County. 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.

Osceola County runs south from Kissimmee and St. Cloud through the Kissimmee River headwaters, including Lake Tohopekaliga.

Osceola County has about 162,000 homes on the state tax roll. The FEMA flood map in effect for Osceola County took effect on June 18, 2013; the county's first flood map dates to 1982. The storm that left the most flood insurance claims in the county was Hurricane Ian 2022, with 388, followed by Hurricane Irma 2017 with 172. Osceola 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.

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 Osceola 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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