FloodMaps
Map of FEMA flood zones in St. Lucie CountyTap the map to explore

County · Flood risk

Check any address in St. Lucie County

Quick facts

Homes on the tax roll

151,171

Residential parcels on the Florida Department of Revenue roll

FEMA flood map in effect

Feb 2020

First flood map 1981

Flood insurance discount

25% off

St. Lucie County, Community Rating System Class 5

Most flood claims in one storm

211

Hurricane Irma 2017, 149 paid

Homes with water, FEMA aid

1,397

Aid registrations reporting water inside, Hurricane Irma 2017

Sinkhole reports

3

Florida Geological Survey, mostly unverified

Past storms in St. Lucie 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 St. Lucie County
StormClaimsPaidAid, water inside
Hurricane Matthew 20163116–
Hurricane Irma 20172111491,397
Hurricane Nicole 20221613–
Hurricane Milton 202414978

Frequently asked questions

Do I need flood insurance in St. Lucie 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 St. Lucie County took effect on February 19, 2020. 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 St. Lucie County last updated?

The flood map in effect for St. Lucie County took effect on February 19, 2020. The county's first flood map dates to August 17, 1981.

Is there a flood insurance discount in St. Lucie County?

St. Lucie 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 St. Lucie County the most?

By National Flood Insurance Program claims across St. Lucie County, the worst recent storms were Hurricane Irma 2017 (211 claims, 149 paid), Hurricane Matthew 2016 (31 claims, 16 paid), and Hurricane Nicole 2022 (16 claims, 13 paid). After Hurricane Irma 2017, 1,397 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 St. Lucie County?

On the Atlantic coast, flooding comes from hurricane surge, seasonal king tides that back up through storm drains, and heavy rain on flat ground with a high water table. The storms we track for Southeast Florida are Hurricane Matthew 2016, Hurricane Irma 2017, Tropical Storm Eta 2020, Hurricane Nicole 2022, Fort Lauderdale flood 2023, South Florida flood June 2024, Hurricane Helene 2024, and Hurricane Milton 2024. St. Lucie County has about 151,000 homes on the state tax roll.

St. Lucie County faces the Atlantic, with Fort Pierce and Port St. Lucie along the North Fork of the St. Lucie River.

St. Lucie County has about 151,000 homes on the state tax roll. The FEMA flood map in effect for St. Lucie County took effect on February 19, 2020; 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 211, followed by Hurricane Matthew 2016 with 31. St. Lucie 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 Atlantic coast, flooding comes from hurricane surge, seasonal king tides that back up through storm drains, and heavy rain on flat ground with a high water table. The storms we track for Southeast Florida are Hurricane Matthew 2016, Hurricane Irma 2017, Tropical Storm Eta 2020, Hurricane Nicole 2022, Fort Lauderdale flood 2023, South Florida flood June 2024, Hurricane Helene 2024, and Hurricane Milton 2024.

Search any address in St. Lucie 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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