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

County · Flood risk

Check any address in Seminole County

Quick facts

Homes on the tax roll

152,820

Residential parcels on the Florida Department of Revenue roll

FEMA flood map in effect

Sep 2007

First flood map 1981

Flood insurance discount

20% off

Seminole County, Community Rating System Class 6

Most flood claims in one storm

584

Hurricane Ian 2022, 485 paid

Homes with water, FEMA aid

1,885

Aid registrations reporting water inside, Hurricane Ian 2022

Sinkhole reports

172

Florida Geological Survey, mostly unverified

Past storms in Seminole 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 Seminole County
StormClaimsPaidAid, water inside
Hurricane Irma 20172001341,071
Hurricane Ian 20225844851,885
Hurricane Nicole 2022143–
Hurricane Milton 20246445219

Frequently asked questions

Do I need flood insurance in Seminole 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 Seminole County took effect on September 28, 2007. 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 Seminole County last updated?

The flood map in effect for Seminole County took effect on September 28, 2007. The county's first flood map dates to May 5, 1981.

Is there a flood insurance discount in Seminole County?

Seminole County is in FEMA's Community Rating System at Class 6, which takes 20% 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 Seminole County the most?

By National Flood Insurance Program claims across Seminole County, the worst recent storms were Hurricane Ian 2022 (584 claims, 485 paid), Hurricane Irma 2017 (200 claims, 134 paid), and Hurricane Milton 2024 (64 claims, 45 paid). After Hurricane Ian 2022, 1,885 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 Seminole County?

The Florida Geological Survey has 172 subsidence reports on file for Seminole 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.

Seminole County lies north of Orlando, with Sanford on Lake Monroe and the St. Johns River along its eastern edge.

Seminole County has about 153,000 homes on the state tax roll. The FEMA flood map in effect for Seminole County took effect on September 28, 2007; the county's first flood map dates to 1981. The storm that left the most flood insurance claims in the county was Hurricane Ian 2022, with 584, followed by Hurricane Irma 2017 with 200. Seminole County is in FEMA's Community Rating System at Class 6, which takes 20% 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 Seminole 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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