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

County · Flood risk

Check any address in Santa Rosa County

Quick facts

Homes on the tax roll

78,851

Residential parcels on the Florida Department of Revenue roll

FEMA flood map in effect

Nov 2021

First flood map 1977

Flood insurance discount

25% off

Santa Rosa County, Community Rating System Class 5

Most flood claims in one storm

1,295

Hurricane Sally 2020, 1,009 paid

Homes with water, FEMA aid

667

Aid registrations reporting water inside, Hurricane Sally 2020

Past storms in Santa Rosa 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 Santa Rosa County
StormClaimsPaidAid, water inside
Hurricane Sally 20201,2951,009667

Frequently asked questions

Do I need flood insurance in Santa Rosa 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 Santa Rosa County took effect on November 19, 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 Santa Rosa County last updated?

The flood map in effect for Santa Rosa County took effect on November 19, 2021. The county's first flood map dates to October 14, 1977.

Is there a flood insurance discount in Santa Rosa County?

Santa Rosa 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 Santa Rosa County the most?

By National Flood Insurance Program claims across Santa Rosa County, the worst recent storms were Hurricane Sally 2020 (1,295 claims, 1,009 paid), Hurricane Michael 2018 (4 claims, 0 paid), and Hurricane Helene 2024 (2 claims, 0 paid). After Hurricane Sally 2020, 667 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 Santa Rosa 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. Santa Rosa County has about 78,900 homes on the state tax roll.

Santa Rosa County lies east of Pensacola, with Milton, Gulf Breeze, and Navarre Beach.

Santa Rosa County has about 78,900 homes on the state tax roll. The FEMA flood map in effect for Santa Rosa County took effect on November 19, 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 1,295, followed by Hurricane Michael 2018 with 4. Santa Rosa 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 Santa Rosa 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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